vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.

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
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: WV

Complaint narrative:
My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PR

Complaint narrative:
I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? 

Why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been a customer of SunTrust bank for more than 10 years. I have a personal and a business account with them. I run an XXXX XXXX XXXX XXXX XXXX XXXX. As part of my business, I have several developers that reside in XXXX and XXXX. I have started using SunTrust bank to send out wire transfer to XXXX XXXX to XXXX of the developers in the amount of {$4000.00} a month since XXXX XXXX. 

I did my first XXXX transfers at XXXX Bank XXXX XXXX in XXXX, VA in person with no issues. I then was advised to get a phone authorization so that I can do the transfers remotely. I did that and was able to do the final XXXX transfers via the phone. 
On XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX | XXXX XXXX - XXXX at SunTrust Bank inquiring about the purpose of my wires. I responded on XXXX XXXX stating that these wires were a payment for XXXX development work performed by XXXX XXXX, my contractor. I got a response from XXXX XXXX, thanking me for the information I had submitted. 

On XXXX XXXX, XXXX, I picked up a certified letter from SunTrust Bank 's XXXX XXXX XXXX where they informed that they will be closing all of my accounts ( business and personal ) within 10 days of the letter dated XXXX XXXX XXXX. There was no explanation for this action. I called the number provided XXXX and was told that I had to go the branch to get an explanation. 

On XXXX XXXX, XXXX I came to the SunTrust Bank XXXX XXXX in XXXX, VA and spoke to the Branch Manager who was the XXXX helping me with the wires before. He made a call to XXXX XXXX XXXX and found out that they made a business decision to close my accounts and deny me the right to open a new account because I make transfers to XXXX. I asked if I can open a new account if I stop making those transfers and I was told that their decision is final and they do n't want me as a customer. 

As a consumer I was not told that there was an issue with sending money to XXXX back in XXXX XXXX, I was not given a warning, and I am not being given enough time to sort through this situation. The bank has performed about XXXX transfers total for me with no issues. And now not only my business account is affected but so is my personal. I have all automated payments going in and out of both accounts. I do not have another business account to send to my clients so I can collect payment. The letter was dated XXXX XXXX, giving me only 10 days to close out my accounts. I had to go to the post office to pick it up, which happened on XXXX XXXX. Today is XXXX XXXX. Now I have 3 days to get a new account, get payments in there, transfer my money AND setup all the automated payments without missing payments. This is a huge issue for both my business and personal life.

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 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA

Complaint narrative:
Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now Gerald E. Moore and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX and XXXX regarding XXXX, who they first turned it over to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Credit Plus Inc
State: FL

Complaint narrative:
This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nations Recovery Center
State: NY

Complaint narrative:
Nations Recovery violated several debt collector laws. XXXX. They never verified if they had the correct person when they contacted me and gave personal debit collection information without verifying if I was the correct person. XXXX. The person never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. XXXX. I asked for verification of debt and he stated he would not send it. XXXX. He lied about laws of NY State debt collection and stated to me they will go after MD for XXXX years and not the 7 year limit since date of first delinquency. He also stated he gets money from people that are XXXX from their social security income 70 % of the time after they die. After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My husband and I got XXXX car leases from American Honda finance corporation they did a trade-in for my XXXX XXXX XXXX and they gave us XXXX XXXX XXXX XXXX then a couple of months later they turned it into an auto loan what they did is they had me co-sign for my husbands & my husband cosign for mine. They knew what they were doing because they manipulated the paperwork. I went to the Honda dealership in XXXX CA. I just got a letter from a lawyer 's office stating that they were having some type of lawsuit due to the fact they would hive higher APR 's for minorities XXXX XXXX ( my race ) XXXX and XXXX than XXXX people. The cars were later repoed voluntarily. I want this removed from my credit report because if they crooks & gave people higher APR 's I should n't be responsible for what they did, & to put me & others in a financial bind I am looking into talking into a lawyer or I would love for you guys to take this case. Please get original paperwork. Also they denied me to get my belongings out of XXXX of the cars because it was repoed. They told me I must pay before I can retrieve any items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: IQOR US INC
State: NY

Complaint narrative:
Allied Interstate contacted me after I had my attorney deal with Allied Interstate 's Client XXXX XXXX. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between Allied Interstate or and any third party agency representing XXXX XXXX XXXX. They ( XXXX XXXX XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to Allied Interstate. I believe that this is a form of severe harassment as outlined in US Code 15 Fair Debt, Collections Practices Act. As Allied has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against XXXX XXXX XXXX and XXXX and Allied Interstate. I am offering the company Allied Interstate an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.

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
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda Financial re-aged an account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Michael Haynes & Associates, LLC
State: DC

Complaint narrative:
I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
My file contains inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: IQOR US INC
State: OK

Complaint narrative:
They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a Progressive policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX. XXXX was told to cancel, however, it appears the rep ( s ) did not do so. Again, I believe they are referring to a previous policy which Cain and Weiner previously agreed to stop collection on

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Fraudulent account. Part of attached identity theft official report. Account removed from XXXX but put back on. Amount owed regularly changes from XXXX to XXXX, from open to closed and the account number continues to change. They 've done this on all XXXX reports. This was a fraudulent account and per the FACT aclt, itl clantl be put back on my credit reports once it is removed. Furthermore, they continue to report information while investigations are in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
I never recieved this bill could be it was never forwarded to my new address. But if this is a medical bill it should have been covered by my insurance.

Company response to consumer: Closed