BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Hello, I am frequently overseas and use ATMs to withdraw from my US accounts. I monitor sites such as XXXX to find out the going rates and I have often called or written customer service to find out the exact rates being used to convert dollars to euros, for example. Customer service personnel are vague -- they tell me that the bank charges a {$5.00} processing fee and can charge up to XXXX percent more than the going rate, but they wo n't tell me what the rate is. If I press hard on the issue, they invariably send me to the XXXX Global Currency Conversion site XXXX -- which is the PREVIOUS business day 's highest rate, not that day 's rate, and includes this mind-boggling disclaimer : " Please note that due to possible rounding differences, the displayed rates may not precisely reflect the actual rate applied to the transaction amount when converting to the cardholder billing amount. The exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that XXXX determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction. '' So Number ONE : Can a consumer find out the ACTUAL RATE used for that day? 
Number TWO : Can banks actually post the rate they are using on their site and quit cloaking the matter? 
Number THREE : When I look at my withdrawals using the MC Global Conversion rates for that day or the previous, they still do n't add up correctly. It appears that my bank at least is adding XXXX percent or XXXX percent on to the fee -- in additon to charging their {$5.00} withdrawal fee. Maybe it 's {$4.00} more, maybe {$7.00}, but it never adds up correctly -- and they 're already ripping me off with a bad exchange rate and ATM fees at both ends. ( I have a letter in with my bank now and if they do not answer to my satisfaction, I will file another complaint with details. ) The total effect for consumers such as me is that we 're being forced to buy something without being able to see the price tag -- and the ATM never shows what is going to be withdrawn from my account if conducted in that country 's currency, which is cheaper than converting to dollars at the ATM. 
I find this cryptic, non-transparent behavior regarding access correct foreign exchange frustrating and simply wrong. This is a general complaint -- because ALL the banks I 've used shield the information.

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 2017-10-11
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a bank account at SunTrust that I opened last year. It has a mandatory minimum of {$500.00}, or a $ XXXX monthly fee occurs, unless a direct deposit occurs to the account. I have been out of work for a number of months and I have had to use money from this account so the balance has gone below {$500.00}. As I have no job, there have been no direct deposits. A fee was charged to me last month and will continue to be till I find a job or replenish the {$500.00}, which I ca n't till I get a job.

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 2016-03-18
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has on multiple occasions put a student signature loan in deferment without my authorization. This resulted in only interest being applied to my account until I realized what they did. This now raises the monthly rate of the loan, and extends the time to repay. Somewhere after the XX/XX/XXXX payment Navient put the loan in deferment for two months until I called and asked them to not change my loans without my authorization. This added about XXXX dollars of interest to my account and added to the principal. This same issue also happened for a month after my XX/XX/XXXX payment. I am very disappointed with the tactics by Navient to change a loan that would cause more money out of the student 's pocket and more in their pocket. What they did was wrong, and it happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 at XXXX I spoke with a representative at Bank of America regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Bank of America to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Bank of America and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MS
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:
I was charged a large amount of money. My college also closed down and I was not able to transfer and it finish school ... they did n't want to help ... it took almost a year and they only forgave XXXX dollars ... .I 'm still not able to finish school. I 'm too if that I am very confused on how they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is mismanaging my mortgage accounting records and charging me erroneous fees. They also owe me money for the faxes they requested. 

I 've complained several times that Chase inaccurately reports the amount I paid on my mortgage statements. I 've requested that Chase formally reflect my mortgage payments in my records accurately as I paid them not as Chase has bumbled them. Last XXXX, Chase inaccurately failed to " record '' over {$3700.00} in mortgage payments and it took me over eight months, over {$100.00} in faxing fees, and several complaints to the Consumer Protection Bureau to fix. Because I was right, because I paid on time, I want my records to show what I pay AND not what Chase has done to fix their own accounting mistakes. If one looks at my records attached, the accounting records are impossible to follow. The misapplication reversal payments are confusing and do not show what I paid. Instead, they show how Chase mismanaged my account and I can not do the accounting on my mortgage. I 've filed a CFPB complaint before, Chase told me they fixed it, but alas they have not come close. If Chase is going to charge me 5.2 % to manage my mortgage ( about XXXX a year ), in return I have a right to clear, transparent records on that loan and all the charges. 

WORSE, has the audacity to charge me fees that I do not recognize. Recently they charged me a " Collection inspection '' fee. How dare Chase charge me fees for Chase to do their own accounting. It 's wrong, it 's illegal, Chase does not have my consent to charge fees for inspecting records are a mess. 

Also, I want full refunds for all expenses I paid on this account including fees for faxing documents to Chase. Chase has records saying they will reimburse all costs of faxing documents they request and I want the full {$89.00}. I sent these request and was told that Chase " may '' or " may not '' reimburse although the documentation on their requests states they will reimburse for records they asked for. 

Chase needs to be accountable for their actions, provide clear record keeping, not charge me for their own mistakes in record keeping, and reimburse for erroneous fees charged, and reimburse me for records they requested and told me they would pay for in writing and verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX We made a payment as always to our mortgage company SWBC Mortgage who is also sister companies with XXXX XXXX. The agent received all of our information and " applied '' the amount to our loan. Couple of months go by and we start receiving foreclosure letters on a missing payment from XXXX. We fax in bank statements showing the amount was drafted from our account only for them to tell us it is not sufficient, they then start asking for a transmit XXXX form from our XXXX XXXX which our bank says they do not have or ever provide. After speaking to numerous agents and managers they are unable to help us and they do not know where the payment went, they open numerous cases and keep telling us they will reach back out to us. It is now XX/XX/XXXX we had to resubmit the payment for XXXX payment of XXXX and still have not received a refund or any word on what happened to XXXX payment. Nobody is able to help us the payment was apparently applied to the wrong loan and they know the mistake was their fault but they have not refunded our money nor stopped any foreclosure notices!

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 2015-10-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with Chase Bank about my mortgage since XX/XX/2014. I have asked for a copy of the qualifications for the cash for keys program, a copy of the qualifications for the relocation fund, a copy of the qualifications for a short sale, and a copy of the qualifications for a deed in lieu of foreclosure. Chase has repeatedly refused to help me with anything saying I do not meet the qualifications for any of these programs but they refuse to mail me a copy of the qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX. 
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us. 
On XXXX XXXX, XXXX you appeared again with a Sheriff sale. 
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale. 
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud. 
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.

Company response to consumer: Closed with explanation