vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust grants rewards points on credit card purchases that can be redeemed for various items, including statement credit and direct deposit to a SunTrust checking account. Beginning with my XXXX 2015 credit card statement, the rewards available are included on the statement. The points on the statement are higher than the reward points that are available for redemption on line. SunTrust explained the difference as a " statement error '' and has been unwilling to resolve this issue,

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 2016-08-04 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: CA

Complaint narrative:
I have loans with AES and last year they purchased another private loan of mine from XXXX. After purchasing the loan from XXXX they are consistently applying payments from my original loans with AES to the loan they purchased from XXXX. This seems illegal if I made an agreement with XXXX XXXX and a separate agreement with AES the handling of payments should be kept separate, but this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Every time i try to check my credit score it says my personal information is incorrect. I put in all my old addresses and nothing.

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 2015-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 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: TX

Complaint narrative:
FedLoan Servicing made an error during my loan transfer, resulting in XXXX of my loans being left out of the IBR process. The company did not inform me of this error until after debiting a higher amount for my monthly payment. When contacted about the error, there was no follow up or resolution, with the company decided to put in a retroactive administrative forbearance instead of processing a refund as originally stated. The company then continued to have autodebit process my next month payment, instead of the lower amount that was presently due. I was told they could not cancel the autodebit without 3 days prior notice. I was not informed of the incorrect debit amount until receiving a letter prior to a three day holiday weekend, during which time no request could possibly have been made. When contacted on the next available business day, I was informed that a note to call me was in the file, but that no one ever called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-29 00:00:00
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: Credit Karma, LLC
State: DC

Complaint narrative:
I utilize Credit Karma to help me manage my credit score, keep track of my finances, ensure all discharged debt is removed from my credit, and to suggest help on what I can do to help lower payments and increase my credit score after bankruptcy. 

Because my credit score has improved tremenbously ( because I 'm paying my bills on-time as well as disputing debt that suppose to be removed from credit ), Credit Karma suggested to me that I should inquire with a company called XXXX to get a lower car note. I really need to get a lower payment. I 'm paying {$330.00} a month, and with my credit score, Credit Karma is recommending that I can get my apr % down lower ... .making my payments possibly around {$200.00} a month. I know that the bankruptcy and auto loan is still new and the refinancing would n't be a good idea. I did n't want a hard inquiry on my credit either. Now, Credit Karma knows that I filed bankruptcy and has a general idea of what my credit looks like, so I trusted that the tool would help me keep things in order. I applied for the auto refinancing loan on XXXX/XXXX/16 and was " denied '' the same day. As of today 's date, the suggestion still sits on my Credit Karma account and it did n't help me at all. I am requesting for the hard inquiry to be removed from my credit report and a clear understanding of why I was still denied the refinancing, but my credit score improved!!

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 2016-11-29 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: OR

Complaint narrative:
I attended school XXXX last year to finish up prerequisite courses for XXXX school, which I am currently in the application process for. During such time, my federal student loans were in a deferral status through American Education Services, which is supposed to carry over for 6 months after finishing school. School ended XX/XX/XXXX, so no payment should be expected until XX/XX/XXXX. However, AES is claiming that the payment was due in XX/XX/XXXX ( 4 months instead of XXXX ) and that the loan is now past due. Their letters specifically stated that the grace period would be over in XX/XX/XXXX. As I am currently searching for work while applying for graduate school, I am unable to pay the amount they currently demand. As previous dealings with this company have solved nothing in the past, I am taking this complaint the the Bureau of Consumer Finance to avoid the major headaches they otherwise would cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: OK

Complaint narrative:
I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AES/PHEAA
State: IL

Complaint narrative:
AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I consigned multiple loans with XXXX XXXX for my daughter starting in 2009. She has finally been XXXX and she works part time for minimum wage and is unable to find a full time job so I 'm paying. Navient is horrible to deal with. I get multiple bills every month and I do n't know at this point how much is owed for what loan. When it was will XXXX XXXX it was simpler my XXXX loan of XXXX was almost paid up but now Navient takes your money and applies it as they will even though debt companies say you should pay off asap. They have taken that choice from me. Furthermore I was paying some of the loans before they were due while my daughter was in school and all of that acceleration seems to be wiped out. I have asked them to mail me an accounting of all the loans over and over again but they route me to a website which is difficult for me. I feel as if I am being exploited for them to make as much money from me as possible instead of allowing me to pay off the smaller earlier loans earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I changed my payment plan for my student loans to the Standard Repayment Plan, after being on income-based plans for a number of years. I intend to make qualifying payments so that I eventually qualify for Public Service Loan Forgiveness. After I changed to Standard, I received an email from FedloanServicing stating, " You need to select an eligible repayment plan for your payments to count for Public Service Loan Forgiveness. '' and " You need to change your repayment plan as soon as possible to ensure that any future payments you make count towards PSLF. '' From my research, I understand the Standard Repayment Plan to be a qualifying plan for PSLF, so I am confused by this letter, and I do not want to make payments that are not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid 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 monetary relief
Consumer complaint received 2015-06-02 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: NJ

Complaint narrative:
I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. 
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.

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 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.

Company response to consumer: Closed with explanation