BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.

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 2016-06-09
Company: SUNTRUST BANKS, INC.
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX we received letters from Suntrust stating that we have unusual activities on our debit cards " XXXX '' and " XXXX ending, therefore they placed a " temporary '' block status. SINCE I had past disputes related to unauthorized charged XXXX which were approved and resolved with Suntrust during XXXX ; I noticed that again, from XXXX to XXXX XXXX, while I was on " XXXX '' leave, at home, in bed, NOT USING MY CARD WHICH HAS THE XXXX STICKER ON, XXXX was charging my checking account as they please causing multiples overdraft fees ( XXXX x {$36.00} aprox. ), ignoring the fact that my account was set up as " cash only ''. on XXXX/XXXX/XXXX I collected all evidences and sent it via fax to Suntrust to investigate. Suntrust representatives explained that it will take up to 60 days to get the issue resolved ( Previous disputes against XXXX only took XXXX hours to get a final resolution on my favor based on evidences presented ). On XXXX/XXXX/XXXX I received a letter from Suntrust granting me a temporary credit for the claimed charges and removal of all overdraft fees, while my account was undergoing investigation. Unfortunate to say, Suntrust sent me a letter on XXXX XXXX stating that the investigation was fruitless, that they could n't resolve the isue and asked me to deal with XXXX. On XXXX/XXXX/XXXX I received a letter from Suntrust Notifying me that the referenced account was closed, the negative balance of - {$1600.00} ( multiples charges of overdraft fees of {$36.00} plus XXXX unauthorized charges ) was charge-off since the account was overdrawn for several weeks regardless of being investigated and they even add {$30.00} to charge off the account and I was refered to collections.

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 2017-03-07
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.

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 2016-01-09
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:
Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AES/PHEAA
State: MA
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:
My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

XXXX 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 2016-02-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I received a Chase mobile text stating I was below my normal funds. I went into my banking branch at XXXX XXXX XXXX where I presented both my id and debit card. I wrote and signed affidavits for unauthorized signature or transaction papers for amounts totaling XXXX. The bank allowed the thiefs to make XXXX different transactions at XXXX different banks in one day. And not once contacted me about this irregular activity on my account. Th

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Conn's, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My payment came due on XX/XX/2016, I received 10 phone calls from Conn 's everyday. Then a lady calls my husband cell phone and proceeds to him all of my information, when my payment is due, how much it is and asked if he is still roared to y on the account. His Name is no where on the account. He asked the lady on the phone to speak with her supervisor because he knew that what she had just done was illegal, she tells him that they are all in a meeting and hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
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 have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. 

I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 

1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 

2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 

3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 

4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My accounts both bank and credit card have been closed by Chase without giving any reason. This has happened to my daughter as well. Most recently I was approved for a credit card and within 10 days the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: NY
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:
When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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