vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.

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 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus. 

Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!

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 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PR

Complaint narrative:
as I had a accordance payment with the company performant # XXXX account they will respond to new York hesc which 2 days prior to pay off sent account to XXXX / American education services which I are sent letters relating to the loan and paid. hesc I refer to sent a payment on XX/XX/XXXX and XXXX what collection on XX/XX/XXXX to the date of today XXXX # XXXX follow me by sending letter delay placing it in my credit history simple mind XXXX gave me a fax number to start an investigation that in your system does not appear any check charged # check is XXXX by the amount of {$3000.00} this information is provided by hesc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quad Corporation, Inc.
State: IL

Complaint narrative:
XXXX at quad Corp. deck collection agency in XXXX Iowa has repeatedly called myself and my husband trying to collect all debts from old hospital bills that have been paid. He usually waits between six and nine months and tries it again. He is been repeatedly told through writing and verbally not to contact my husband at work or on his phone, that he may contact me anytime on my phone. He repeatedly ignores these requests and does as he pleases

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 2017-03-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: OH

Complaint narrative:
I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MO

Complaint narrative:
I was advised that my student loans were not going through but they did i incurred additional cost they say current but sold and transferred i have several with interest and im still in school butr its a whole page and more on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: AZ

Complaint narrative:
On or about XXXX XXXX, 2015 I received a call and I believe that they identified themselves as debt collectors. They did not say who they were attempting to collect the debt from and asked me to provide an address or my Social Security Number. I found this quite disturbing and improper. I asked them who they were attempting to collect the debt from and they did not have an answer for that. I said that the phone number has been mine for a few years so you might be looking for someone else. I asked what company she was from and she stated Van Ru Credit Corporation. I see that it is likely that there are multiple complaints against this company on the internet ; my negative assumption is that they are as corrupt as the rest of the State of Illinois that they reside in. It would be greatly appreciated if you could find out if they are cold calling for phishing purposes or other fraudulent schemes. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My HSA account was transferred from XXXX when HSA Bank acquired those assets. The investment portion of the account was moved into a mutual fund company ( XXXX ) [ no input from me ]. Once I became aware of this I explained I do not want any money to be there, ever. HSA bank moved the money to the cash portion. Ok so far. Then the funds were moved back against my instructions to the investment account. Once I became aware of this, the value of the holdings had declined due to market changes. I brought this to the attending of ( many ) people at HSA bank, and for more than 2 months they have been " researching it '' to no avail ( for me ). There is n't a huge amount of money in dispute here, but I am most concerned about a bank ( any bank ) not obeying their customers ' instructions. As I believe this is a custodian type of account, I am concerned about a potential breach of the custodial arrangement. In addition, the customer service of HSA bank has simply been horrible. The agents on the phone are quite nice, but seemingly incapable of enacting any necessary steps to fix problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Collection Service, Inc (FL)
State: GA

Complaint narrative:
This debt was paid by XXXX XXXX charity program

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the XXXX. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having XXXX ( I have XXXX XXXX insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. 

I 'm a somewhat typical American living on {$23000.00} a year at age XXXX after a XXXX put me out of a XXXX a year job for 9 years and now nobody wants someone that long out of work and at my now obvious age. 

Anyway, I took the loan to help pay for the dental repair, but by the XXXX statement, I was in for a shock. This company, CashNetUSA sends a monthly statement, wherein, for example, the statement last month showed the principle owed on this {$800.00} loan was NOT listed ( except as a total so far for all payments made ), the interest due for this month was listed as {$13.00} ( HOW do they arrive at that when also claiming on this statement the annual interest rate is 275.85 % ), and then there is the monthly ( what they call ) " loan fee '' which for the month in question amounted to an additional {$140.00}. What in the world is a " loan fee? '' Just a fancy name for the rest of the interest they charge? 

The total monthly amount due was {$190.00}. Now this " loan fee '' thing is indeed a monthly charge. What exactly is it? Also, it seems the more I try to pay off what I owe, the deeper in the hole ( a little at a time ) I seem to be getting. 

What is this " wonderful '' new alternatative to payday loans except a way to avoid upcoming legislation regarding the way pay day loans loach people deeper and deeper into poverty, AND a new trick loan idea for the seriously underpaid of the " new economy. '' You know, the one where if we pay the super rich more, they 'll turn around and " share the wealth '' with us. Ever known a Republican willing to " share the wealth? '' Me either. 

Is what they are doing legal? Is the way they are doing it legal? This " Flex Loan '' thing seems to be growing like a cancer but on my wages, with my bill and family responsibilities, get a standard consumer loan? Forget it. 

Thanks for any help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
FIRST REQUEST/Sent to Account Manager : On XX/XX/XXXX when I sent {$40000.00} to bring the mortgage up-to-date, I requested a statement to outline how the funds were distributed, along with mortgage coupons. The amounts from the XXXX ( XXXX ) lawyers involved did not match the last amount from the mortgage company. According to the calculations when they all matched, I sent {$390.00} over the amount due. I advised in the letter dated XX/XX/XXXX, that I would be using the overage to apply to future loan payment. I included all the documentation I had received to-date from the lawyers and them. Please note that the {$40000.00} included XX/XX/XXXX and XX/XX/XXXX mortgage payments. 
SECOND REQUEST/Sent to Account Manager : However, when I sent the XX/XX/XXXX payment on XXXX, I still had not received the statement requested on XX/XX/XXXX. I made the check out for {$140.00} less, indicating to utilize the overage from the {$40000.00}. In addition, I included another letter requesting a statement of how funds sent to date were being distributed and also included the documentation I sent with the {$40000.00}. 
THIRD REQUEST/Sent to Payment Processing Center : However, prior to sending the XX/XX/XXXX payment on XX/XX/XXXX, the Account Manager contacted my lawyer and advised him to tell me to stop sending him the payments and that I needed to send the {$140.00}, I did not include with the XX/XX/XXXX payment and to send payments to the payment processing address. He also stated that they do not send coupons Now what mortgage company does not acknowledge receipt of mortgage payments. However, I still had not received the statement I requested on XX/XX/XXXX and XX/XX/XXXX. So on XX/XX/XXXX I sent the XX/XX/XXXX payment with the {$140.00}, along with another request for a statement and coupons, to the mortgage processing address supplied by the Account Manager. I also made a verbal request to my lawyer to request a statement. 
FOURTH REQUEST/Sent to Payment Processing Center : On XX/XX/XXXX, I sent the XX/XX/XXXX payment, with a letter requesting statement and coupons. 
Please note that my lawyer has also requested this information several times on my behalf. 
So now I am soliciting your assistance to obtain a statement of how the {$40000.00} sent in XX/XX/XXXX was applied, as well as statements for payments sent for XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had XXXX conversations by phone with the credit card company on the morning of XXXX. I was told in both conservations that the credit card company has no record of my rate ever being 7.99 %. 
A quarter percent here, a quarter percent there, adds up to millions. Think that is why they ca n't find the records?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I receive a request for mortgage assistance package from SLS which stands for Specialized Loans Servicing, the letter in the package stated that my mortgage was in serious default. I call SLS on XXXX XXXX advising them that my account was not only up to date but paid ahead until XX/XX/XXXX. I sent XXXX by fax # XXXX my bank statement and cancel checks verifying my position. I called XXXX back on Friday XXXX XXXX and was told that my account had been adjusted and I owed XX/XX/XXXX payment I advise them that was not correct the person said they would have XXXX call me Monday. I called SLS back on Monday XXXX XXXX at around XXXX talk with a XXXX who advise me that I had to fill out the mortgage assistance forms I told him I would not fill out those form because my account is not pass due and I am not in need of their assistance he advise me they could not correct my account without me filling out those paper I refuse. My original leader was XXXX my mortgage was sold to this SLS I have never had a problem with my account being delinquent, I need for SLS to correctly applied all of the payment that I verified by fax copies that I made to them and I need them to make sure my credit reflects that I have made the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation