BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: SUNTRUST BANKS, INC.
State: NJ
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:
Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity. 

Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done. 

It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship. 

Please advise what, if anything, can be done to resolve this issue. 

Thank you. 
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX

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 2016-09-01
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
SUNTRUST BANK MADE A HARAD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO

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 2017-04-26
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, 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 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back.

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 2020-12-31
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
My minor child received an unsolicited Netspend Prepaid Mastercard in the mail.

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 2021-01-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
First of all I DO N'T owe ANY debt to Central Financial Control, don '' t know who they are, and have NEVER signed ANY agreement, or contract with this organization!!! Furthermore, this type of extortion shakedown conduct is illegal, and against the law per the F.C.R.A. 
Until Central Financial Control can provide me, XXXX XXXX XXXX XXXX with the ORIGINAL signed contract agreement with them that created this erroneous debt, also providing signed documentation they have the right to collect ( extort ) this erroneous debt they 're claiming in addition, to providing a itemized accounting of how it arrived at the erroneous total amount including any interest, and fees added to the suppose erroneous extortion original amount. I have I requested the above mentioned proof in writing XXXX/XXXX/16, and per the F.C.R.A. NO collection action is to take place until the above requested documents have been sent to me, which they have NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flood Insurance over charge. Every year Bank of America sends me an Flood Insurance update XXXX in XXXX XXXX for renewal purposes. It is always a hassle, they send me an OPT OUT letter which allows me to only have flood insurance coverage on the amount of balance owed. Getting them to honor it is very difficult. Last year they had the amount incorrect and refused to correct it. I sent back the letter with a copy of my statement showing I only owed them XXXX NOT XXXX. When I called them, I was told several times " oh yes we will get that fixed ''. I requested paperwork in writing over and over, it never arrived. They drug it out past the " renewal window ''. I had a XXXX call with BOA and XXXX which got very heated. BOA " bank of America '' said it was Insurance company so we then got her on the phone as well. BOA still insisted and XXXX was amazed by the ignorance of BOA, but it was to late and I was denied by XXXX in reduction of coverage because the bank refused to correct the paperwork in a timely manor. BOA was sued recently for placing lender based insurance on there loans. This was before my new troubles with them so I did n't join the class action law suit. They have managed to get me the last two years. Now my payment is approx. XXXX more than it should be due to the extreme amount of flood insurance they selected for me! I believe the new " amount owed '' error is not an error and it is there new way of getting away with the over charging of there customers. Previously it took several heated calls to get them to honor the OPT OUT letter. its so aggravating and unfair of BOA the lender to treat the customer this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: CA
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:
I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX. with no successful resolution.XXXX, Equifax, and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America violated the Federal Debt Collection Act by continuing to attempt to collect a debt on a Home Equity Line of Credit after it had been discharged in Chapter XXXX Bankruptcy. Bank of America also violated the Fair Credit Reporting Act by reporting the debt incorrectly to the Credit Bureaus and the IRS. The debt was discharged in bankruptcy on XXXX XXXX, XXXX, and Bank of America is reporting a charge-off dated XXXX/XXXX/XXXX via XXXX for {$71000.00}.

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 2017-04-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo has opened a checking and a savings in my name and ran my credit for a credit card without my knowledge and signature, I have filed a police report about this situation and have hired an attorney to represent me, I have went to Wells Fargo about this before and was hung up on and told I was a liar but I did provide documentation to show that my information was used illegally without my permission, I will carry Wells Fargo to court and sue Wells Fargo for illegally opening a checking and savings account in my name and they also tried to open a credit card in my name all facts have been turned over to my attorney, I try to report this to the store manager and district manager and they try to offer me life lock, this was an admission to what Wells Fargo done, I want a settlement for neglige nce, fraud, identify theft, punitive damages, illegal use to check my credit report, if not re solved my lawyer will file this action I 'll take it to court, I can get more in court, this needs to be settled out of court, Wells Fargo has manipulated it 's customers and lied, this has gone far enough I want this settled

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 2021-01-03
Company: Experian Information Solutions Inc.
State: OH
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:
Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, XXXX, Experian ) with very little success. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.

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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, TransUnion, XXXX ) with very little success. 


XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.

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 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received XXXX overdraft fees to my bank of america checking account. I made sure to check my balance before sending EVERY payment I made, yet I still magically received XXXX overdraft fees yesterday. I have had this problem before, but the cause never dawned upon me until today. 

I received over XXXX charges to my checking account from bank of america dating back to XXXX XXXX on XXXX XXXX! It did n't matter that my " Available balance '' was fine when I made each and every transaction. It turns out that my " Actual '' balance that differs from the on screen balance was hit with charges from last week YESTERDAY, which made me go below zero and receive x2 {$35.00} overdraft fees. 

I was n't informed of the reasoning until I called into Bank of America and was informed that it 's out of their control when other companies decide to post their transactions. I was n't aware that various companies ( XXXX, XXXX and XXXX XXXX XXXX XXXX ) could mysteriously decide to post their transactions dating up to a week back all on the same day. I smell something fishy.

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 2017-01-06
Company: Navient Solutions, LLC.
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:
I am trying to buy a home and get approved and raise my credit but my student loans did n't allow me to because they said I was XXXX days past due and I had no knowledge of my payments or whe I needed to pay and they tell me it wont be off my credit until XXXX to XXXX years and it 's not right its it 's unfair when I 'm trying to do right with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20, I tried to use my Cash app debit card to make a {$75.00} purchase at XXXX. The transaction was declined but it was deducted from my balance anyways. My account history shows that the transaction was declined too. I notified Square but they have not returned the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX from XXXX  XXXX through MBFS and prepaid my entire lease. My lease began on XX/XX/2019 for a duration of 36 months. I was supposed to receive my security deposit of {$6000.00} after one year or when I return the vehicle. As of todays date, I have no received my deposit. MBFS must return my deposit to me or take possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received notice that Bank of America has passed on my loan servicing but I just wanted to ensure that Bank of America knows that this is far from getting rid of me and in reality it just really upped the ante as now yet once again you have ignored the information I provided BoA via the CFPB and provided incorrect account information and balances ... The damages are rising and trust me, the hunt now begins for an attorney and I have years of record of Bank of America 's mishandling of the issues to support my position. I have already filed a complaint against XXXX as their initial correspondence assumed some very incorrect things but every bit of it based on Bank of America 's mis-handling of my loan. I guess at very least this will stem the constant flow of complaints and avoidance on the part of BoA but again, this is far from over, I will still seek answers to every issue I 've asked and addressed and continue to commit time and resources to exposing BoA as a company that should not have been supported by the government and taxpayers and should not be designated too big to fail as BoA no longer being able to victimize consumers is a victory for consumers, perhaps a short term negative for the economy but overall and the bottom line is that Bank of America is a horrible horrible company.

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 2021-01-02
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Navient Solutions, LLC.
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:
For as user-friendly and intuitive as Navient pretends to be, they are anything but when it comes to comparing your previous account balances and 'simple daily interest ' calculation. The only information shared in the account history section, is the amount of money being paid monthly. There 's nothing that shows the previous balance, making it unbelievably annoying and frustrating to compare how your monthly payment is impacting your current principal balance. A simple section that shows your monthly principal balance is extremely helpful so one can consider and adjust his/her monthly budget in consideration of a student loan payment. 
I work extremely hard to make {$1000.00} payments on time each month. When I log into the my account the following month, my monthly payment has hardly made a dent in the principal balance. With our current system, it is nearly impossible to payoff a high student loan with a monthly interest rate of 6.875 %. This is not the American Dream I was always told to work for.

Company response to consumer: Closed with explanation