BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: DISCOVER BANK
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:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: AES/PHEAA
State: NV
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 a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a SunTrust checking on a promotion. {$250.00} Half if you deposit {$100.00} within 14 days of opening and the other half when you maintain deposits. I will include correspondence, but what it boils down to is I was deemed ineligible. I began to investigate and saw a discrepency on their promotion details. SunTrust clearly in print says 14 days. 
I have always understood banks and businesses to use " business days. '' Well I would have qualified for the promotion had it been " 14 business '' days. SunTrust said " we meant calendar days. '' Which is represented no where in their promotional document in plain public viewing eye. I kept following up and asking for clarification and I kept getting the same ineligible computer generated CSR response. I finally spoke to one CSR and I was " put on hold '' while they read the XXXX paragraphs of the promotion detail and then " click. '' I called back and spoke to one of the execs XXXX XXXX or XXXX and I could n't connect with her, she just left a generic response for me of my ineligibility. I spoke to another exec that agreed to present my pointing out of SunTrusts vague and imbiguous promotion terminology, still SunTrust says I am ineligible. I went to XXXX page and voiced my opinion. Still to this second, SunTrust is unwilling to admit that they have misleading advertising terminology and that it is open to interpretation and not specific. I am asking that they show me banking policies where " days '' are used in the banking world for transactions as opposed to " business days. '' Then a representative responded to my XXXX post and said " all transactions mean days unless otherwise specified. '' Again they proved my point. Their " disclaimer '' does not appear on the actual terms of the promotion. I interpret banks as using " business '' days, not " calendar days '' when I do transactions with them. I feel they should honor the promotion and deposit the funds into my account. They are in error. Their advertising department is responsible for the open-ended, vague communication of their promotional terms. Why should I be penalized for that? In all, I have proof that my funds left my XXXX in time to qualify also, but for whatever reason, SunTrust kept saying it was n't there until it was too late. Also let 's not forget that Monday, XX/XX/2016 was XXXX and all banking institutions were closed. So my money being delayed was not my fault, it was due to banking day holiday. 
I want them to admit their advertising is ambiguous and prove to me that banks use loose terminology when making contracts and doing business. I just want to see it in writing. I would also be satisfied with a code of laws to search to see where banks use days as opposed to business days.

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 2015-06-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ALLY FINANCIAL INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number 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 2021-01-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/XXXX is reporting that there are missing payments on my account number starting with XXXXwhich i have never made late payments and this account should be paid off in full instead of being a charged off account i paid this account in full

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 2015-08-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.

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 2021-01-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Costco changed to Citibank credit card for its members. I had stopped using Costco since around XX/XX/XXXX but I was issued a new Citibank credit card which I never even activated since I had stopped using Costco. Unknown to me was the automatic membership renewal fee of {$60.00} which was charged to my Citibank credit card in XX/XX/XXXX. Even worse was that unknown to me I was signed up for paperless billing. I never saw the email bills possibly because they went into junk mail. Citibank kept adding {$40.00} fees every month plus interest since XX/XX/XXXX and I never saw a single bill. Finally I received a letter in the mail on XX/XX/XXXX from Citibank collections about my unpaid balance which had ballooned to {$250.00} from the {$60.00} charge in XX/XX/XXXX. I immediately called Citibank Customer Service to explain my predicament and even after being tossed around to 4 different unsympathetic customer service agents on the phone, they were unwilling to recognize my unfortunate situation and kept insisting on the full payment. Finally I was exhausted and settled up with a payment over the phone. This is an example of predatory lending practices where a {$60.00} charge grows to {$250.00} within 4 months. I should add that I have a credit rating of over XXXX and always pay my credit card bills in full every month. Shame on Citibank. I would like to be reimbursed for the exorbitant late fees and interest.

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 2021-01-21
Company: CITIBANK, N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yes back on XXXX XXXX my friend sent me a XXXX payment and without warning citibank closed my account and told me I would get a check with my money I have had in there so I waited its been a month and a half now and still says my account is open they haven't closed it yet and I can't touch my money in there or nothing I have XXXX in my account that's my money I have tried my best to work this out with them but they always give me the run around or tell me someone will contact me which that phone call never comes can someone please help me from here I have no idea what to do next I just want my money out of my account thank you.

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 2017-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had Chase LOAN for my Home, They transfer my Loan to XXXX, CHASE ACCEPTED MY PAYMENTS UNTIL XXXX XXXX AND SENT XXXX BANK TO CHARGE ME SINCE XXXX + THEY ARE BEING CHARGING ME OTHER AMOUNT THAT IS NOT WHAT I WAS TOLD SINCE 2015 AND CHASE MAKE MY LOAN TO COME HIGHER INSTEAD OF LOWER SINCE I BEING MAKING MY PAYMENTS ON TIME. 
BEFORE CHASE TRANSFERRED MY LOAN, I WAS TOLD THAT THEY WERE GOING TO REVERSE THE CHARGES THEY MADE BY MISTAKE BY ADDING TO MY ESCROW EXTRA CHARGES AND LEAVE MY LOAN BALANCE THE RIGHT WAY AS THEY ORIGINALLY HAD IT SINCE XXXX/XXXX/2015 AS THE LETTER THAT I 'LL ATTACHED SENT IT BY THEM " CHASE '' ALL I NEED IS TO FIX THEIR MISTAKES ON THE ESCROW ACCOUNT AND SENT ME THE LAST XXXX PAYMENTS FOR XXXX AND XXXX THAT THEY RECEIVED IN ORDER TO MAKE THOSE PAYMENTS TO THE XXXX LOAN BECAUSE I HAVE NO MONEY FOR DOUBLE PAYMENT. THIS IS NOT FAIR FOR ME, LAST THING I NEED TO MENTION IS THAT CHASE REPRESENTATIVE TOLD ME OVER THE PHONE WAS THAT, WITH CHASE BANK INSTITUTION, I CA N'T DO ANYTHING AGAINST THEM BECAUSE THEY HAVE ALL THE LAWYERS TO SOLVE ANY PROBLEM AND HE ALSO MENTIONED ABOUT NEW BANK XXXX, HE SAID THAT WAS AN ADVISE, THAT XXXX WAS GOING TO TAKE MY HOME AWAY FROM ME IN LESS THAN 30 DAYS AND THEY WILL ALSO GOINT TO KNOCK MY DOOR WITH THE POLICE IN ORDER TO GET ME OUT. 
I 'M VERY SCARE BECAUSE I KNOW THEY ARE STRONG AND THIS IS MY ONLY CHANCE TO GET SOME FAIR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Amsher Collection Services, 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 no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Unique Management Services, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've recently reviewed my credit report the beginning of XXXX 2016. I 've notice a collections account with Unique National Collections. I sent this company a letter asking to validate this debt in which it claims I owe. I 've also requested in that please me provide me with the authentic document with my authorized signature. Unique National Collections responded on XXXX XXXX, stating that they enclosed a verification of your debt with the alleged creditor. They have not provided a single document with my signature saying that I agree to pay such debt. They have only provided printed out receipts with my name. I have clearly stated that I wanted to Validation and not a verification. They have only sent me a print out of a receipt. How does this validate a debt? I also filed a XXXX complaint against this company and their XXXX Response was : " Unique Management Services ( UMS ) is in receipt of the complaint by XXXX XXXX ( XXXX XXXX ) where she believes that UMS is required to provide with validation of debt according to the Fair Debt Collection Practices Act ( FDCPA ). UMS provided adequate debt validation to XXXX XXXX on XXXX XXXX, 2016. As I am certain the XXXX is aware, the FDCPA does not require signed agreements to be provided as a part of debt validation. XXXX XXXX has been provided with validation of the debt as required. She can take care of the balance due directly with the XXXX XXXX XXXX Library ( Library ). The Library will then update UMS, who will in turn update the consumer reporting agencies ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: GA
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:
I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, 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 non-monetary relief
Consumer complaint received 2015-10-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On or around XX/XX/2016 BBVA compass charged me XXXX NSF fees {$38.00} each total {$74.00}. I have told them repeatedly before this incident that I do not want that type of account. I want a prepaid type account ( if there are no funds, there is no fee but the item is not paid ). Each time they have assured me this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am incredibly dissatisfied with the way Bank of America has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Bank of America and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they " deserve to be paid for any services that were rendered ''. What this company sold me vs what was " rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Bank of America is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using " Claim and defenses '' and I would like this to be properly investigated as such.

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