BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: AMERICAN HONDA FINANCE CORP
State: AP
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Please reference complaint number XXXX. When I disputed this complaint I had assumed you would get back to Honda, since they did not address my problem basically at all. Perhaps I hit the wrong buttons. In any event, I received an email which described my dispute as feedback and not a dispute, so here is a new/related complaint as it was submitted in dispute to referenced complaint. Thank you : A non-answer from Honda Financial Services ( HFS ) which requires further explanation. I never changed my address on my lease buyout and neither did the XXXX XXXX XXXX XXXX ( financed the purchase for the buyer ) or if they did I was never so informed. I did change my mailing address from XXXX XXXX to XXXX XXXX XXXX at the HFS website on XXXX XXXX, the day after car sale was completed, in anticipation of my departure for XXXX on XXXX XXXX. Perhaps the difference in amount charged was due to a change from XXXX to XXXX ( XXXX, some would say XXXX ; there is no state XXXX and neither does an XXXX address charge sales tax )? Obviously, I never moved to XXXX. I did make a payment electronically to HFS in the amount of {$340.00} on XXXX XXXX to get HFS off the back of the buyer who is also my brother-in-law and to allow release of the car title. So, the first thing that needs to be fixed is the return of the {$340.00} erroneously charged that I paid on XXXX XXXX. Secondly, as stated in my original complaint, consumers need to be protected from HFS which billed me in a letter ( scan attached to my original complaint ) which did not explain the reason for the billing, a company which makes it impossible to resolve a dispute with consumers who have moved XXXX AFTER complying with their instructions for paying off an auto loan. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee. 

My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 

What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account. 

I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure. 

I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Regards ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested that my bank remove my PMI. They instructed me to pay for an appraisal, which I did. The appraisal was submitted with a range of values for my house : XXXX $ XXXX . Suntrust bank chose the lowest value in that range and misrepresented that value labeling it as the " 90-120 day '' value even though I spoke with the appraiser who confirmed the 90-120 value he submitted was XXXX . I believe it is wrong, and perhaps a violation of the Homeowner 's Protection Act, to allow a bank, whose interest is in collecting PMI for as long as possible, to select a value when given a range that benefits them and may not actually represent the true value of a home.

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 2021-05-10
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: AES/PHEAA
State: MT
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 on Wednesday. Once I was identified as a servicemember, they transferred me to a Military Team member. This person rattled off a list of services that were available to me a servicemember. I told her that I knew about them and was not interested in them and that I was calling about a credit verification letter only. On Friday morning, I received notification that my general forbearance had been approved. At no point was this ever discussed with me or requested. I called fedloan servicing. Their representative said that she removed it but that was all she could do, and that it might still capitalize my interest, as are the terms of the general forbearance. I spoke with a supervisor who said he would submit a complaint on my behalf internally but could not assure me that they would even listen to our phone call or do an audit of the other accounts this person worked on. Further, if my interest was capitalized then I would have to call and address it again at that time. I do n't know if this is a general practice for student loan borrowers identified as military members but I am concerned that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call XXXX. I was caught in a catch-22 with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.

Company response to consumer: Closed
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On behalf of the XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXXCFPB-CFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXX Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXOCC Case Numbers-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.

Company response to consumer: Closed
Consumer complaint received 2016-03-15
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard had a technical glitch that has not allowed many users access to their accounts for weeks. Money is still being held and access to accounts is still unavailable for some. I personally have the wrong account number listed. There has been updates however does not explain in details the issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: H. Kent Hollins, Attorney at Law, P.A
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Sent a letter to subpoena records from XXXX which is my car loan company. They are Kent Hopkins collecting for a water bill on behalf of city of 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 2015-10-29
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rush are stated the system is up and working. I called at XXXX today and was told the system crashed again. Just tried to login and the system is still down. It 's been over XXXX hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: SQUARETWO FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.

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 2015-11-17
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and Scottrade Brokerage Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am a ( pending ) customer to RushCard for a few years. Over 2 weeks I have n't been able to access my XXXX accounts/funds ... My XXXX & payroll checks both gets deposited into my accounts ... Have n't been able to pay my bills, ex : made a budget payment plan with my daughters cellphone company, since Rushcard declined to process the transaction ( which I have available in my account ) now her total bill is due & service has been interrupted ... XXXX How fair is this to her & I? Running low on food & toiletries ... .. Rent is about due, but the most importance overall is putting a smile on my daughter 's face for her XXXX birthday this Friday ( XXXX XXXX ) ... .. I 'm having XXXX as I know & feel I still wo n't be able to access my funds yet another week : ' ( XXXXPlease help me!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.

Company response to consumer: Closed with explanation