davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (MD)

I been a account holder with SunTrust Bank for many of years. I currently have a checking & savings account with the Institution. Approximately 2 weeks ago I notice a fraudulent deduction from my checking at that time I continue to review my past account history and noticed I had several unauthorized deductions from my checking account XXXX from the same company and XXXX from another company. I filled a claim with SunTrust Bank in XXXX Md Branch on Monday, XXXX XXXX, 2016. Friday around XXXX I called to check the status of the investigation the the representative of SunTrust stated that they seen me a email concerning the investigation. I checked my emails and notice they was no mail from SunTrust. Once again I did not authorize these deductions from my account. And I never heard of these companies before
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NC)

I make payments under the IBR plan. I submitted documentation for recertification in XXXX, but was denied. I was single when I filed taxes, but I am married now ( we plan to file separately ). I was told to put " can not reasonably access spouse 's income '', but was still told to submit my spouse 's income. I was then told to submit another application and have my spouse include his income, but before pressing submit the form stated that they should only submit, if they have student loans and plan to file jointly. So, that was also denied. 

My recertification period is almost up and interest has been capitalized on my loans AND my payment is at its standard level. 

How can this be fixed? I have followed the instructions of multiple customer service representatives at FedLoan Servicing and nothing has worked or been " fast tracked ''.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NY)

SunTrust Mortgage sends my mortgage statement more than 4 days past the grace period. For example ; my XXXX statement for which payment is due XXXX XXXX arrived at my home on XXXX XXXX. SunTrust mortgage has a grace period of no more than 16 days from payment due date. My statement is dated XXXX XXXX indicating the statement was generated 3 days after the grace period ended and arrived at my home 8 days after it was generated. This violates the rule stating that a mortgage servicer has to provide a borrower with a statement no more than 4 days after the grace period for the previous month has expired. My loan is a 30 year fixed mortgage which falls within the statutes of the lender statement delivery rule.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

For the last 4 month I have contacted XXXX different creditors asking them to send me proof that the accounts belongs to me and I am not getting anything from them. Also I have been filling request with Experian to verified the accuracy of this information and 4 times they keep telling that the information was verified with the creditors. These are not my accounts and no one is doing anything about this. Specially Experian is not doing anything about it. This is against the law, How can they verify something that is not mine with Experian but they are just ignoring my letters.
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MO)

I responded to a promotional offer from Suntrust Bank, which promised a {$200.00} bonus for opening a select checking account and making a {$2000.00} direct deposit within 60 days. I met the requirements but did not receive the bonus. When I asked online customer service, they said I do not qualify for the promotion because I had closed my previous account at Suntrust within 180 days. This is completely different from what I was told on the phone in XX/XX/XXXX, just before I opened the current account. Back then the phone customer service told me that my previous account was closed over 6 months ago, and I would qualify for the promotion as long as I make the qualifying direct deposits within 60 days. 

I sent a detailed email to a member of the Suntrust Executive team ( copy attached ), asking them to stand by the information I was given on the phone. In response they claimed " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion. '' I reiterated my position that the proof is in the phone conversation in XX/XX/XXXX, and requested them to review that call and award the bonus if my claim is correct, or provide me a copy/transcript of the call showing that my claim is incorrect. This should be a simple task, considering that Suntrust claims all phone calls are recorded for quality assurance ( and as I provided all my identification info for the agent to locate my prior account, it should not be that hard to locate the call. ) All correspondence attached, and pleas note each pdf file has several pages. 

Suntrust responded with an identical form letter ( even with the same date ), claiming that " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion ''. This indicates they either made no effort to locate the phone call, or they had located the call earlier and found that it corroborates my claim. 

Please note that this is not the first time Suntrust agents have provided blatantly false information during the short time I had this account. My original email to the executive office describes another incident where Suntrsut lost my {$1000.00} deposit and gave me the runaround for over 10 days. 

It is deceptive that I was told one thing before I opened this account, and the opposite after I invested several thousands of dollars with Suntrust based on that information. Also unfair that the executive office brushed off my request with the claim " we were unable to find documentation ... '', a statement most likely false considering they claim to record all phone calls. 

All I ask is to receive the {$200.00} bonus I was promised in return for depositing my money with Suntrust. I am also attaching a sampling of reviews/complaints from other customers who were cheated out of the similar bonuses by Suntrust, demonstrating that Suntrust makes a habit of this deceptive practice.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

The monthly student loan payment calculation does not take a borrower 's residence ( city/state ) into consideration. A borrower that lives in XXXX New York will have a different cost of living then a borrower living in XXXX, for example. Although salaries may be higher in cities, high costs of living could leave borrowers with less discretionary income. Considering borrower location would make the monthly study loan payment calculation more reasonable and allow the borrower to have an emergency fund, save for retirement, buy a home, etc.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (FL)

We established an equity line with SunTrust Bank, using our primary residence as collateral several years ago. While we spend six months a year out of state, we have our mail forwarded. Our last monthly statement from SunTrust was recieved on XXXX. We religiously sent SunTrust {$300.00} every month irregardless, depending on hearing from them if there were any changes or problems. Upon returning to our primary residence in XXXX, I recieved a call from SunTrust 's collection department demanding nearly {$4000.00} in late payments plus fees. It was then learned that our payments were increased to over {$800.00} permonth back in XX/XX/XXXX. We checked with our post office and learned that if mailing envelopes from financial institutions do not instruct them not to forward correspondence, the mail is forwarded. SunTrust does not request the post office to not forward mail. This represents both unprofessional and unethical practices on the part of SunTrust. Not only are we faced with dealing with a rather large surprise obligation, but the bank still has the gall to charge fees on top of this unjustice. It is unexcusable for the bank to not try to communicate with us regarding this matter, or to be assured the correspondence be forwarded. When I brought this matter to SunTrust 's attention, they blamed the post office for returning all mail. It should be noted that all other first class mail was forwarded as ordered. This not only caused us a financial burden, but also affected out credit. We believe that SunTrust should have negated the increased obligation since XXXX, advised us of our increased loan payment and we would have gladly gone along with that. It would be interesting to ascertain just how many other customers experienced similiar treatment.
Consumer complaint received 2016-01-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NY)

I am writing to express my dissatisfaction with American Education Services. I have been out of college since XX/XX/XXXX and have been making monthly loan payments since my deferment ended in XX/XX/XXXX. Never once have I been late with a payment. Additionally, I have a steady job as a high school teacher and adjunct professor in conjunction with great credit. However, every couple of months the interest on these loans increase. I have called American Education Services several times to discuss this issue, but they claim there is nothing that they can do. If the interest continues to increase every couple of months as it has been for the past year, I 'm afraid I will no longer be able to afford my monthly payments. Also, because the interest is so high, I have barely made a dent in paying off my remaining debt. According to my last statement, I have paid a total of {$7600.00}. However, {$5300.00} went towards the interest. That is just unfair. This is a pattern that I do not see ending, and it must. Otherwise, I will drown completely in debt along with many other college graduates. American Education Services must be stopped from committing such highway robbery. It is with great hope that CFPB will take action against American Education Services in order to allow college grads the opportunity to live debt-free.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NM)

Our mortgage company, Seterus , Inc., misapplied a payment to escrow instead of to our loan balance. Despite numerous calls, this problem has not been corrected, our account is showing past due and late charges have been applied. A negative report has been sent to the credit bureaus resulting in a drop of almost XXXX points on our credit score. I have never missed a payment on this loan, and have never been late with a payment except when I was given incorrect information with regard to correcting this error on their part. This has been going on since XXXX 2015 and is still not corrected.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$440.00} COLL {$440.00} - {$440.00} - - - XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice
Consumer complaint received 2016-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA. 

On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}. 

I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter. 

I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account. 

Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hollis Cobb Associates (GA)

Over a medical bill incurred during XXXX problems, which ultimately led to XXXX. Even though paying a monthly amount, XXXX turned it over to Patients Accounts Bureau since I refused to give them direct access to my checking account. Patient Accounts Bureau then called MY PARENTS, who are in the XXXX 's and live in another state - worried them totally. I am a XXXX year old adult and am livid that my parents were bothered. Plus the only way their phone number could have been obtained was via the " Emergency Contact '' when I had the medical procedures. Is that legal? My recent communication with them was harrassing and threatening. I am showing due diligence and making payments to ALL involved in the XXXX diagnosis and XXXX but this one account wants more than I can afford and wants " direct secure access '' to my checking account, which I refuse to give. XXXX and XXXX are the two at Patients Account Bureau who are harassing me, and my parents.
Consumer complaint received 2015-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX turned my debt over to XXXX, bill was paid in full to XXXX on XXXX XXXX, 2015. I just received a demand letter from West Asset Management , Inc That I owe {$510.00}. I have no idea who these people are and they are threatening to report unpaid debt to the credit bureau.
Consumer complaint received 2017-01-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: MNS & Associates LLC (MI)

when MNS Associates LLC calls the first question they ask is if I have ever had a civil lawsuit against me and if I have ever been to jail? I do not answer the question I simply ask for their mailing address which they are required to supply me by law they say that I do n't get to have that information. it is either XXXX guys but I think they are the same person they go by the name XXXX or XXXX. They call my mothers house 3 times a day my wife 's phone 2 times a day and my in laws house 1 time a day and myself now 2 times per day. 

they tell me that they are going to sue me and that I will go to jail or have my cars and house seized if I do n't pay the debt to them. they refuse to send me info saying that they do not mail things out and they only communicate via the phone. 

they have refused me 2xs to verify their address and to verify that they are registered to collect a debt in the sate of Michigan. they have refused to provide me with any valid information and they use what they believe are scare tactics to force me to comply. I have notifed them via telephone to only contact me by mail in writing.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (SC)

Transworld Systems Inc. sent me a letter regarding an owed balance of {$300.00} with a request for me to mail payment to " apology letter tenet. '' I attempted to call to inquire about said debt, and the person I spoke to could find no record of my account number provided on my bill. After she requested further personal information, I felt uneasy about continuing the conversation. I am not delinquent on any debt currently, and I 've never been made privy to this amount by any company or medical office. The only notice I 've been given about owing this amount came from Transworld Systems Inc . This company is violating the Fair Debt Collection Practices Act because they are using deceptive practices to obtain money for a debt that they ca n't prove.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Apelles, LLC (KY)

I contacted the company via letter and told them they could not contact me via phone. They ignored my letter and continue to do so in violation of my rights and leave messages without knowing who listens to them.
Consumer complaint received 2016-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: LOAN TO LEARN (PA)

Loan to Learn has reported negative information on my credit report that is not true and will not respond to correspondence to remove from my credit bureau reports. I requested a deferment on payments since the student was still in school. We showed proper documentation however they sent our loan into collection with a private group located in California. We have been making payments to this law firm for 2.5 years on time yet Loan to Learn is still showing that we have not made any payments on my credit bureau 's thereby hurting my credit score and impacting my ability to acquire credit and hurting my employment opportunities.