BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Travelex NY, Inc.
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
This is a pre-paid Travelex Mastercard which was issued as a travel card to provide XXXX while I was traveling. 

Card Number : XXXX There is an outstanding pre-paid balance on the card of {$400.00}, but when I asked the bank to close the account, and refund the balance, I was told by a representative of the bank that they no longer honor these cards. The expiration date on the card is XX/XX/XXXX. 

Two months ago, I spent about an hour on the phone with a representative of the bank ( " XXXX '' - employee number XXXX ) at the ( XXXX ) number XXXX. Initially she told me that she could talk to the bank, but that she was sure they would not refund the balance. After much discussion she who told me that a " XXXX '' would generate an email to me concerning the refund. 

I have had no contact from the bank since that call. I am asking that you contact the bank and determine why they are not honoring this card, or the outstanding balance owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AES/PHEAA
State: FL
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 called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello, My name is XXXX XXXX and I currently reside in XXXX, Ohio. I was informed to contact your company by the XXXX XXXX XXXX. I am writing you because I'm not sure but I feel like there is some type of scam going on. Here is the problem : I currently am paying a note on a XXXX XXXX XXXX XXXX. I bought it from XXXX XXXXXXXX located on XXXX and XXXX in XXXX of XXXX when I was employed with them. I worked at the XXXX across the street. After I placed my down-payment on it which was {$1000.00} I continued to pay my car note. As of today XX/XX/XXXX, I am still paying on it. You would think after all this time it would be paid off. The first red flag was when my car got repossessed and they couldn't find my car. I put {$1200.00} flat and I had a very hard time trying to get my car back. Fast-forwarding to XX/XX/XXXX, I paid the {$1100.00}. When I looked at my balance before I paid it said {$7600.00}. After the balance said {$7100.00}, when it should say {$6500.00}. That was strange to me because all this time I was thinking I was actually paying on my CAR NOTE. So I decided to give them a call. I spoke with a man and asked him where the money was going towards. I do have everything recorded if needed. He explained to me that all my payments are going straight to interest first which I don't understand. I thought my money was going to my actual payments. How are we suppose to get our balance down if they keep piling on interest. I feel like this is how they get you. I'm giving them all my money thinking I'm doing something and my balance isn't going anywhere. He only explained about the interest rate being {$4.00} at first. I did some calculating and this is what I personally came up with. {$4.00} ( interest rate ) x 30 ( days ) = {$140.00} right. Even If I were to do interest on the whole year that's only {$1700.00}. Where is my money going to? I have no understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After months of diligent efforts by our firm, XXXX, and our clients, we finally received a modification offer from Bayview in connection with our clients ' request for mortgage assistance application. A representative from Bayview called our firm to disclose the terms of the offered modification on XX/XX/2016. During said phone call, the Bayview representative stated the interest rate would be fixed at 2 % for the first 5 years and then it would increase each year until it reached 3.375 % at which point it would remain fixed at that rate for the remainder of the loan term. 

Our clients accepted the modification offer and began making payments as directed under the trial agreement. Then in XX/XX/2016, Bayview sent our clients the final modification agreement to be executed and returned. Even though Bayview had previously laid out the terms of the modification, the final agreement contained a substantially different material term. More specifically, the final agreement stated our clients ' interest rate would increase up to 4.125 % instead of the 3.375 % previously agreed upon. Given the large balance of our clients ' loan, this seemingly small difference results in an additional {$200000.00} in interest that will be due and owed by our clients. Our clients accepted the modification offer based on the terms as specified on XX/XX/2016 and now they are being forced to continue with the improperly changed terms due to the fear of losing their home. 

In addition to the improper change of max interest rate, Bayview has also imposed illegal or otherwise improper fees on our clients ' mortgage account that are explicitly prohibited pursuant to the terms of the modification agreement. The final agreement includes the following provision : " Borrower and Lender agree that if there is a pending foreclosure action that results in a voluntary dismissal as a result of a modification or a similar settlement between Borrower and Lender then Borrower and Lender will each pay for their respective attorney fees and costs and neither party will be responsible for the other parties attorneys fees and costs. '' Despite the foregoing, Bayview has tried to collect numerous foreclosure fees and costs in violation of said provision. Bayview has imposed almost {$10000.00} in foreclosure attorney fees and costs since the modification has become effective. Moreover, Bayview imposed more than {$20000.00} in foreclosure fees and costs on the borrowers that were added into the modified principal balance of the mortgage loan. Since the foreclosure action was voluntarily dismissed, our clients are not responsible for any of Bayview 's or the lender 's attorneys fees or costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: NY
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:
As of XX/XX/2021 my credit scores dropped from both Equifax and XXXX 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above XXXX across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Hi. I used XXXX to find the best rate for a personal loan to make some repairs on my home. Netcredit was one of the first people to contact me so I started an application with them. And regret every second of it. I have contacted them several times cancel the application because when you get to the end of the application it asks for your user name and bank password. In this day and age I am not confortable with that especially when the fine print says that the third party agency is my accounts POA and they can monitor and access my accounts anytime. I let them know they can call to my bank and get the records straight from them or I can fax them. I had a XXXX and now its a XXXX Who gives someone with that score 65 % interest rate on a loan? Let alone a non authorized hard inquiry. These car title loans and high interest loans should be shutdown because they are all profit base to the company and put strain on the borrower. I am not going to stop here with this issue. I will be writing several state officials and local government in my state to stop this robbery that is allowed to happen everyday. The only reason I am so adamant about this is a couple years ago my credit was n't so good and I had to take a title loan. I almost lost my car and job trying to pay the loan back. I had to take money out of my 401k to pay off the amount. I payed it off in 1 year and none of the history on the account shows in my credit report. The Netcredit acoount # XXXX was never authorized to go through and should have never been a hard inquiry because I did not agree with their terms for the loan and they refused to call my bank saying the only way to complete the loan is to put your bank login and password and pray. Please if there is anything on my end that can speed this process up just let me know and I will make sure it 's taken care of within 24hrs. Thank you and I hppe we can resolve this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Hello, My name is XXXX XXXX and I am contacting you regarding an issue that I am having with a private student loan forbearance through American Education Services ( AES ). I called in XXXX of this year to set up a 2-month forbearance for XXXX and XXXX. The representative on the phone said everything was all set and approved me for the forbearance. He read through the terms and conditions which I verbally agreed to ; the forbearance was finalized. After ending the phone call, however, this individual decided that I was not eligible for the forbearance and it was cancelled. I was not made aware of this, and was surprised to see that my account was past due and had been reported to a credit agency when I went to pay my next bill. I called and spoke to a different representative XXXX XXXX, ID # XXXX XXXX on XXXX/XXXX/16 and she indicated to me that she and another reviewer saw no reason why my forbearance was cancelled. She told me that my account was being submitted for review and that the review should be completed in XXXX10 days and that I should call back after that amount of time. I called back on XXXX/XXXX/16 and spoke to a different representative ( XXXX, ID # XXXX ) who indicated to me that my account had still not been reviewed and that she would call me back when it had been. She offered no explanation as to why it was taking so much longer than the original representative had projected or how long I should anticipate it taking to complete. 

After ending the phone call, I submitted a message through the AES website explaining this situation as I have in the paragraph above. I received a response back today ( XXXX/XXXX/16 ) from " XXXX '' ( see attached email ). He advised me, " You will need to allow time for the review to be completed '' and that " We will work to have this review completed as quickly as possible and you will be notified on the outcome ''. My cosigners and I are receiving collection phone calls that are harassing in frequency and AES is regularly reporting my account, negatively affecting my credit and my cosigner 's credit. I am very disconcerted by the fact that, in his response, XXXX also offered no explanation about why it has not been completed, nor did he say how long I should anticipate waiting. 

At this time, I request that the harassing phone calls and negative credit reportings stop immediately for both my cosigners and I until the time that the review is completed. Also, I do not at all feel comfortable giving this company any further payments until this issue is resolved and I request that no payments are considered delinquent until the review has been completed and some resolution has occurred. 

I very much appreciate your time and attention and look forward to resolving this matter. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As of XX/XX/2021 my credit scores dropped from both XXXX and Transunion 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above 800 across the board.

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 2016-06-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
American education services took over my XXXX private student loan. When this took place a couple of years ago, I received a letter from them explaining they would be servicing my student loan. I am XXXX and can no longer work and have been fighting to get my student loan forgiven. Whenever I contact AES to ask questions about what help there is when I can not afford my payments, I am told there are none. When I ask to speak to someone with XXXX, I am told there is no way for me to do that. absolutely no one gives me answers. I need help and there is none with either company. I need help, and it wouldbe nice if someone explained exactly what XXXX AES Does do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. 

This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation