BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: SUNTRUST BANKS, INC.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline. 

I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX. 

I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX 

I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by. 

I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ). 

I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account. 

XXXX 's process is deceptive to the consumer, not listing updated deadlines. 
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had. 

Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.

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 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase will not replace my money after un authorized withdrawals were made. I am very XXXX off. There system is incorrect and suggested I logged in and saw the money missing and did nothing about it????? Really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : Our complaint is about Chase bank. We tried to make payments towards our balance to Chase Bank XXXX XXXX, 2012, but they would n't except the payments. Chase Bank expected us to make the full payment of {$21000.00} in which we did not have. This amount would have been the remaining amount due towards our 30year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: ERC
State: GA
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:
There was an account that was opened in the amount of {$400.00} and I am being asked to pay an amount on a contract that was closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-27
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
amount paid in full. company still shows as owed. its never been past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CONTRACT CALLERS 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 was paid

Complaint:
I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency

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 2016-12-09
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Franklin Collection Service, Inc.
State: CA
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:
I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: CA
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 several times requested a deferment but was told I was not qualified during my unemployment. I 've sent documents regarding my unemployment. When I called, I inquired about an Income Driven Plan and quickly faxed and mailed in my forms. During this XX/XX/XXXX year, I 've accrued late fees and capitalized interest charges since they put me in forbearance while they wait to receive the income driven forms I sent them. I called again in XXXX because I did not receive any letter and checked my account inbox to see if there were any messages regarding the progress of my forms I sent in - none. They tell me they have not received nor have any record of it and to resubmit it which I did on XXXX XXXX, XXXX. It is XXXX XXXX, XXXX and I have not received any answer to the forms I both re-faxed and re-mailed. Even though it 's been difficult without a job and looking for employment, I sent in a small payment because interest is accruing. After I made the payment, I received an email stating the amount of my loan and a XXXX interest payment until XXXX/XXXX/XXXX. " XXXX ''? I am not confident Navient is conducting business properly and I dont trust their system or professionalism. I still dont have an answer or letter of progress and have to continue making calls to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ZENCO COLLECTION, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: SFS, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people call me repeatedly. They are also calling me at work. They identify themselves as One Click Cash and ask me to return the call. I do n't know who they are, and I have n't taken out a loan with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief