BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AES/PHEAA
State: OH
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 have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Credit Karma, LLC
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am paying XXXX a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with XXXX 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX XXXX I noticed XXXX pending transactions ( XXXX for {$53.00} ) on my account that I had not made. I immediately called my bank ( SunTrust ) and informed them of this. I was told they would take it off and research it. I asked them to please let me know who tried to write a check on my acct. or if it was accidental internal or computer fraud so they transferred me to the fraud dept. I told them the same situation again and they asked me if I would prosecute and I said yes! So they took my info and said they would contact me in about 10 days, however no one ever called but the transactions were removed from my acct.! I then called the SunTrust back on XXXX/XXXX/XXXX to ask what had transpired and they said " well it 's not on your acct. '' and again transferred me to the fraud dept who gave me a direct phone number to call. I called this number XXXX on XXXX/XXXX/XXXX. I then reiterated the same story and they said they ca n't find it anywhere but it 's not on your acct. so it 's ok. No it 's not I want to know who tried to get into my acct! So they said they would research ( again ) and call me back. Again THEY DID NOT! On XXXX/XXXX/XXXX I called the fraud dept. again and again same run around! I have banked with SunBank/SunTrust since XX/XX/XXXX and am very disgruntled that they ca n't even help me with such a small request as to who tried to get money out of my acct.

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 2016-04-15
Company: AES/PHEAA
State: GA
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:
This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.

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 2016-03-29
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had numerous payday AND installment loans with lendup over a few years... XXXX loans to be exact ranging from {$250.00} to {$1000.00}. I had reached the highest place in their " ladder '' but the interest remained very high and I was caught for years in a vicious cycle of borrowing and paying off every month costing me thousands of dollars. 
I just read that this agency successfully filed and completed a class action lawsuit against them. 
Am I,, a victim going to see any resitution? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX, Ca XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was being monitored by the home preservation unit while I was unemployed, Keep your home California was making my mortgage payments for about 5 months. Note prior to Keep your Home California. I never had late payments or had issues paying my mortgage on time. As soon as I became employed I called and cancelled the program and resumed paying my mortgage withe XXXX 2016 payment. Note, I have never ever been late on my mortgage and there is no reason for Wells Fargo to keep me in the home preservation program. Although they tell me I am not in the program. I am still getting calls and letters from Wells Fargo property preservation program monthly. I have all the voicemails they keep leaving on my cell phone. If an CFPB investigator calls me maybe I can get you to hear the calls and dates and times or I can email you the voice mails they keep leaving me. I called Wells Fargo today, Friday XXXX XXXX, 2016 and spoke to two people. One was a property preservation specialists who told me I was no longer in the program and did not show I was receiving calls but I am. I have the voice mails they have left and the letters. I explained that back in early XXXX I got a letter and calls and they said they should not record of a call or letter but I have them. Second I was told I was not n the program as of XXXX XXXX but I keep getting letters and calls. The latest property preservation letter I received is dated XXXX XXXX. Well after they said I was not in the program. Then the customer service person after telling me I am not in the program started asking me questions and treating me and my loan account as a person who would be in property preservation.Asking me if I was going to keep my home, if I lived in it etc ... That 's when I asked to be transferred to their escalated customer service called office of the president. While expressing my concerns, that Office of the president person hung up on me or disconnected me on purpose. This was extremely rude and unprofessional. I was not rude or disrespectful. I just wanted to be removed from the program as I do not need or want any property preservation assistance. I want my loan is normal servicing status. 
I want Wells Fargo to remove me from their property preservation program. I want the calls and letters to stop. Although they say they do n't show I am getting calls and letters. I am getting calls and letters and I have the proof. They leave me voice mails and I have them saved. I am not late on my mortgage and have never ever been late on my mortgage since I got the loan over 5 years ago. I am concerned that they purposing want to mess up my loan and damage my good payment history or damage my credit report history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2015-08-24
Company: SUNTRUST BANKS, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt originated from an XXXX made via my prior employers credit card & while operating under my prior employers insurance plan. Rental was under my name. Insurance company rejected claim ( which was under the deductible. ) I repeatedly told callers this, and they ignored my attempts to explain that I was not the person who was responsible for the claim. 

After 2 months of continued and almost daily calls I arranged payment via my former employers & confirmed that the debt originating from the XXXX was paid by my former employer directly to XXXX. Calls have continued despite my confirmation that this debt has been closed in XXXX books. I am in the process of procuring a letter from XXXX confirming this fact ( awaiting arrival electronically. ) An attempt was made to say that I would be on an XXXX " do not rent '' list and that I would suffer personal consequences from this as a result of my supposed failure to pay. This was a lie doubly as my debt had been paid, & if such a list existed I would most certainly not be on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks. 
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays. 
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived. 
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining. 
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.

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