davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (DE)

On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OH)

I took out a student loan to send my XXXX daughters through college at XXXX XXXX University. XXXX graduated from XXXX in XXXX ; the other in XXXX. Just as I was starting to pay the {$110000.00} loan back ; my husband ( who was a XXXX and main bread winner, as I am a XXXX ) had a XXXX on XXXX XXXX, XXXX. He had XXXX XXXX over the course of a year and a half - and had to go on social security XXXX. The loans are in my name alone, so we could not qualify for loan forgiveness. We lost our cars, our home, everything - and of course my loans went directly into forebearance. Fast forward to today. My loans have ballooned into an insermountable amount of almost {$200000.00}. I am XXXX years old. I ca n't understand why a serious medical happening would not allow me to " freeze '' my accounts ( so as not to accumulate so much interest and penalties ). This seems almost illegal and if not, definitely unfair. How can I ever climb out of this hole - a hole that through no fault of mine I fell into that I can not get out of. My credit is ruined. I ca n't even buy a small house or condo because of that. It seems that there should be medical exceptions to loan forgiveness ( if you can show proof - which we of course can. ) It hangs over my head daily - and it keeps growing and growing, because I ca n't even afford XXXX of hwat the minimum monthly amount is. I am stuck, lost and scared to death. XXXX XXXX XXXX, XXXX, Ohio
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AR)

I borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SUNTRUST BANKS, INC. (FL)

After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (VA)

I requested my mother be released as a co-signer and AES has disapproved my request because I was once in forbearance. Both of my parents have co-signed on most of my student loans but both are very sick and will soon be on XXXX, losing about half of their income. Once they XXXX, I am concerned that the entire amount of my loans will come due. I am now married, my family size has gone from XXXX to XXXX and our income combined still does not allow me to pay {$690.00} a month in XXXX payment of combined student loans, let alone the remaining {$500.00} a month for a total of close to {$1300.00} a month plus rent, utilities, car payment, insurance, etc. They are not willing to work with me or my co-signers on anything. Its basically too bad. We have nothing they can take, to garnish our wages means starving our families, which for my parents means them not being able to feed their XXXX grandchildren they have custody of and me not being able to feed my XXXX. Things change many years after taking out loans. Life circumstances dictate whether we can make payments. Their interest rates are ridiculous. Please help. Thanks ... XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please ensure call ID says who you are when you call.
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.
Consumer complaint received 2016-09-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/XXXX.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Company has been charging more than allowed by law for fees and in accordance to their terms. Also did not apoly payments to balances accurately in accordance to credit card reform act. They applied to benefit the issuer without making me aware of how the funds were being distributed after I requested the info. This has been happening since I opened the card in 2013. Have contacted them on several occasions and get nothing fixed
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (MD)

I am submitting a complaint against the National Collegiate Student Loan. This debt was included in my Chapter XXXX bankruptcy but I am still being contacted by several different debt collection agencies regarding this student loan. I originally got the loan through XXXX XXXX XXXX in 2004. I never missed a payment on the loan until it went to bankruptcy. I was sent to XXXX different collection agencies. Once I send them my bankruptcy information they leave me alone for while and then after some times goes by another agency starts contacting me. I tried to work out something through the company I was paying ( AES ) the National Collegiate Student Loan but they would n't work anything out ( This was done before the bankruptcy ). The loan never went down since I was paying on it and I ca n't afford to pay this loan.
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jvs group (TX)

XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust
Consumer complaint received 2016-08-07
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

I was issued a personal check. When I went to cash it at the bank that it was drawn on ( Suntrust ), they wanted to charge me {$7.00} to redeem it claiming that I would have to open an account with them for the fee to be waived. This ca n't be legal. Why should I be penalized for accepting a legal financial bearer instrument. It is as if I were to borrow {$100.00} from you, and when you asked for repayment I told you that I 'd be please to repay you but it would cost you {$7.00} for me to take it out of my pocket.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

When I was first asked to start making my payments I asked questions about loan forgiveness from several representatives because my daughter who is responsible for this loan is a Delaware XXXX. From the beginning Fedloan Servicing has constantly gave us wrong information. They are absolutely horrible and their representatives answering the phones are clueless and have no interest in helping the young people today burdened in loans. Several times I mentioned about the loan forgiveness program and I was told all I had to do was tell them over the phone since they were the loan agent which I did giving my daughter 's information to them. I was told she was enrolled and to just make 10 years payments and at the 10 year mark everything stops. This is on recordings I am sure because these people record EVERY phone call. I became skeptical several times hearing adds about how organizations help get loan forgiveness ( another farce who preys on our young students ) so I called several times spoke to a representative and was told NO your daughter is fine already in the program. 
Recently when the payment went up I called to speak with a representative to understand and at that time I was told no your daughter is not in the loan forgiveness program!!! and we now have to fill out forms and the payment would double what it was now if she chose to get in furthermore the 2 plus years of payment do n't count!!!!!! Someone tell me how someone representing the federal government can be so clueless and not provide the correct information. Fedloan should be released immediately and NEVER provide anything to our young students. They are an absolute nightmare. All I got is we are sorry from the last representative I spoke to, she is sorry. Also in 2 years my daughter only reduced her loan XXXX dollars!!!!!!! So they made 2 years interest looking at my checks!!! I would like someone to look into my claim. As I said I know they are required to tape all conversations and this will prove my accusations against these clowns. My Daughter is XXXX XXXX XXXX she has a student loan with FedLoan Servicing, I can provide all the information you need. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IL)

I have had multiple issues with FedLoan. First, I am required to use this servicer, as I am enrolled in Public Service Loan Forgiveness. I did not have these problems with my previous servicer. 

I am on the Income Based Repayment Plan as I can not afford the Standard Repayment plan on my salary as a XXXX. I was shocked today to discover that my checking account was overdrawn, and when I looked into it further, I realized it was because FedLoan had taken nearly {$1200.00} from my account without my authorization. My normal IBR payment is around {$250.00}. 

I called and they told me I was sent a notice that this change would happen. I never received either a paper or electronic statement stating I needed to do anything for my IBR plan, or that my payment was changing. They then told me I would have to try to dispute the charge with my bank to try to get my money back. My bank was confused, and wanted them to reverse the charge. FedLoan claimed they were unable to do that because they had sent me a notice. I explained that I never got the notice, but it did not make any difference to them. I am now overdrawn and have no guarantee I will get that money back. I live on a tight income, and this is devastating. 

In the past they were totally uncooperative when I asked for them to change my payment due date. I told them on the phone that I was unable to make the payment on the date they assigned me, but they refused to change it. The reasons provided here were vague, and they told me it was connected to my IBR application, and that I would need to go into forbearance and request a new IBR - something very convoluted. My payments were consistently late because they refused to make this change, and I later found out that those late payments are not credited to my account towards my Public Service Loan Program payoff. This represents a significant number of payments stolen from me. 

I have attempted to contact them via their website multiple times over the years and received no response. When I would call and get an operator, half the time they said they would send a form to me it would never arrive. 

I am at the end of my rope with this company and I am locked in with using them.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (NY)

I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IL)

I have XXXX issues. The first is I have student loans that were discharged through a ch XXXX bankruptcy that are reporting negatively on my credit reports even though they were discharged. The 2nd issue is I am being told that I have a consolidation loan. I NEVER took out this loan and it has been sold to a 3rd party. The servicer will not help and it has been sold numerous times. I have been garnished in the past. When I ask for proof of the debt they send me a copy of a promissory note that does not have my signature and has my minor child listed as a reference. I did not authorize or apply for this loan. Nor did I benefit from the proceeds of the loan. This is impacting me in a devastating manner. I can not obtain any credit and I am unable to obtain things such as housing and employment due to the negative impact of it. I have asked for hearings and followed the chain of command but they keep canceling the the hearings then selling it to another collections agency. The loans have ballooned over time along with collections costs. At the time I was not even enrolled in school or had a need for consolidation because I was not in enough debt. I am unemployed and without any liquid assets or property. I also have a minor dependent. 
The servicers are AES/PHEAA, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.
Consumer complaint received 2016-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Element Global Services (IN)

COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO