vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 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: FL

Complaint narrative:
I have tried everything in my power to get on a pay as you earn income driven repayment plan. Yet everytime I talk to a servicer something supposedly will be done and they tell me what steps to make and I follow through on my side. I have filled out dozens of applications, I have done what they have told me yet everytime I call back they tell me to fill out another application and that they only see this and that ... but not the complaints I have made and they requests puts in for pay as you earn.In the meantime my forebearance time is running down and interest keeps buildinging up and capitalizing and yet nothing gets done on their side of the wheel. I need help. I need to be put on the right program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: DC

Complaint narrative:
On XXXX I contacted FedLoan Servicing XXXX to request forbearance for payment of {$830.00} that was scheduled begin on XXXX XXXX, 2016. This request was scheduled to last from XXXX XXXX - XXXX XXXX, 2016. On XXXX XXXX, 2016 I contacted FedLoan Servicing after receiving a notice on my account that I was scheduled to owe a payment of {$830.00} on XXXX XXXX, 2016. After speaking with the servicing company, I was notified that my forbearance request had been backdated to approximately XXXX of 2016 despite the fact that I owed a balance of $ XXXX during the months of XXXX and XXXX 2016. I did not agree to have my forbearance request backdated and I was not informed at any time of these dates in my original request. This company also charged my account capitalized interest that was back dated for the months of XXXX and XXXX 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 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: MD

Complaint narrative:
Ive had a loan with AES since XXXX. Ive always been on time with AES paying on time with no problems. In XXXX I had some financial Issues going on internally. My bank account weas locked due to a claim going on and a couple of my AES payments were sent back. With no notice or warning or information provided AES blocked my online access. I am unable to go online and view my account, make online payments, make telephone payments or see the status of my loans, interest charges or update information. I have called AES and asked them if I could speak to financial management who blocked my account and they said there is no way i can talk to them at all to explain my situation. I can provide information to them why my account was blocked. AES has no desire and made no efforts in working with me to resolve this situation. When i am able to wait hours to get on the phone with AES I called and spoke with a representative, he told me i can only send in checks or XXXX XXXX XXXX XXXX to AES. I was still suffering from financial issues and AES did not help in the payments I could make. I sent in a check when i could and AES did not put the money on the desired loan I previously spoke with a AES employee about. As a result my loan defaulted. AES also abuse customers with interest rates. My principal balance hasnt gone down at all. I have been paying interest for 5+ years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.

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 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC
State: CA

Complaint narrative:
This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 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 a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, XXXX XXXX

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 2015-05-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: OH

Complaint narrative:
There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature. 
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature. 
3 ) My non-expired debit card issued to me by the bank, bearing my signature. 

The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # XXXX

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.

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 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: UT

Complaint narrative:
I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is XXXX

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 2017-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Texas Guaranteed
State: MS

Complaint narrative:
On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: Travelex NY, Inc.
State: DC

Complaint narrative:
I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CA

Complaint narrative:
The promissory notes for my private loans were stolen out of my home. I have been trying to obtain copies of the promissory notes from my student loan servicer. I had XXXX XXXX Loans ( XXXX ), but my loan servicer has provided a copy of the promissory note for only XXXX XXXX loan. I have asked for a copy of the XXXX loan, and I received a form letter that said, " enclosed in the information you requested, '' except the missing promissory note for the XXXX XXXX loan was not enclosed. I have been requesting copies of the promissory notes on all my loans from the loan servicer since XX/XX/2015.

Company response to consumer: Closed with explanation