vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: SUNTRUST BANKS, INC.
State: AK

Complaint narrative:
I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE 1 INCORPORATION
State: MI

Complaint narrative:
I was discriminated against for my XXXX by Mortgage One. Causing numerous delays in our mortgage processing and leaving us homeless for nearly a month! 
The discrimination and delay were due to them requesting that I provide them proof I would remain XXXX for the next 3 years, an action they are prohibited from doing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.

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 2016-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.

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 2017-03-22 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: NJ

Complaint narrative:
I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have had a checking account with Suntrust Bank for approximately ten months. Over a month ago, I lost my debit card associated with this checking account and reported it lost. The customer service agent told me they would cancel that debit card and send me a new XXXX in about a week. A week later ( approximately ), I received XXXX new debit cards with XXXX different numbers, separately, by mail. I tried to activate both of them. XXXX would not activate, with a message saying the card was invalid. The other did activate, so I continued using that XXXX when I made debit card purchases. 
Over the next month, I noticed that online transactions that I had authorized using the old debit card I had reported lost, continued to be put through my account. Some examples included online memberships, like XXXX, as well as some trial magazine subscriptions. I wondered how they were being processed, because I never updated these companies with my new debit card number. XXXX transaction for {$90.00} for a year subscription to XXXX XXXX was put through my checking account using the old debit card number from the one I had reported lost. I called the customer service of the bank to dispute this debit card transaction. The agent put me on hold to investigate, then came back on the line to tell me that there were XXXX debit cards associated with my checking account. In other words, the debit card that I had reported lost was never cancelled, and transactions that I had previously authorized on the lost card, like online memberships, etc, were still being put through my account. 

The customer service agent gave me a hard time about disputing the {$90.00} transaction for the subscription to XXXX XXXX and it took nearly a week for me to get a {$90.00} credit applied to my account. The bank is considering the transaction as a case of FRAUD against my bank account and has sent me an affidavit form to fill out for a case of fraud against my bank account. 

This was not a case of FRAUD, as I reported my debit card lost nearly a month prior to that charge. This was a MISTAKE by the bank -- -- they never cancelled the lost debit card and continued to authorize transactions on it. 

I am reporting this because these are serious mistakes made by this bank. And for this reason, I will be closing my accounts with Suntrust Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: WV

Complaint narrative:
Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.

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 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MD

Complaint narrative:
The complaint is about a private loan from AES ( American Education Service ) where I obtained a student loan, and they insist on a co-signer. I was told when I apply for the loan the co-signer will be removed after a year which was not true, once I start repayment. I start sending payment for a year when yet they did not remove the co-signers name. My complaint is the constant mail I received from this institution on a monthly basis, and they realize I am attending college because I notify them by mail. I have sent them a response various times making them aware I am in college and my loans are in deferments, but they ignore that fact. Furthermore, XX/XX/XXXX/XX/XX/XXXX I started to send them payments when I can in a small amount of about XXXX dollars to apply it for my current loan to keep the amount low, however, I am presently in school as a graduate student full time. I complained to my school and they said they have sent automatic update to them making them aware I am continuously enrolled. 
XX/XX/XXXX, they are constantly sending me information for past payment and continuously sending information about higher interest rate and also sending information to my co-signer who happens to be a retired vet which has made him very concern to why they are constantly sending these mails every month to him. In addition, they are sending letters claiming they could not debit my account for the monthly payment because I close my account, and I need to send them payment immediately with another form of payment. That was really strange because I never sent an agreement for debit payment, and they contact the co-signer claiming of miss payments, and he needs to make the payment. I was absolutely horrified how deceptive AES can be. 
Please contact them to explain why they are continuously sending deceptive mails and claiming I sent them a debit payment plan which is not true. Furthermore, sending negative report to the credit agencies which is affecting my credit score and in term making it difficult for me to get hired. I have been in search of a job with no success, and I think the negative report on my credit is contributing to these issues. Please help me to solve this problem. These company business practices are not honorable, and I want everyone to be aware of these underhanded practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA
State: PA

Complaint narrative:
Threatened wage garnishment for a loan that is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: TX

Complaint narrative:
My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I have a dispute still under investigation with XXXX of the credit bureaus. 

XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: OH

Complaint narrative:
There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life!

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 2016-11-23 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: NY

Complaint narrative:
On XXXX XXXX, 2016 a lender paid on my behalf approximately {$43000.00} toward my federal student loans that are serviced by FedLoan Servicing. At the time of payment I provided instructions to FedLoan Servicing to apply the {$43000.00} to certain loans, specifically, the loans with interest rates of 6.5 % and 7.5 %, which I identified by their respective loan sequence numbers. Contrary to these instructions, FedLoan Servicing applied the {$43000.00} to the loans with the lower interest rates ( 2 % ). I immediately contacted FedLoan Servicing and advised them of the error and throughout XXXX received repeated assurances from FedLoan Servicing that the error would be fixed, e.g. that the {$43000.00} would be reapplied to the proper loans. Despite receiving these assurances and acknowledgement of an error by FedLoan Servicing, FedLoan Servicing has not fixed the problem and provides a raft of excuses each time I call customer service. This obstructionism is contrary to the policy on their website which states, inter alia, that " if you need us to reapply a payment you previously made, we can accommodate that as well. '' https : //myfedloan.org/borrowers/payments-billing/targeting-payments. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. 
I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.

Company response to consumer: Closed
Consumer complaint received 2016-05-11 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: VA

Complaint narrative:
My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # 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 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MA

Complaint narrative:
I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE

Company response to consumer: Closed
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: DC

Complaint narrative:
I was called XXXX on XXXX XXXX and reported XXXX XXXX, 2016. I submitted my XXXX to American Education Services ( AES ) on XXXX XXXX for my Servicemember Civil Relief Act ( SCRA ) benefits. I received an e-letter from AES that they were unable to confirm your XXXX XXXX status using the Department of Defense 's SCRA Website. However, I had faxed my XXXX. I called AES on XXXX XXXX and the representative confirmed AES had my XXXX. I asked her to submit a manual review. On XXXX XXXX, I received another e-letter stating the previous. Subsequently my XXXX were extended and on XXXX XXXX, I submitted new orders. I called on XXXX XXXX to verify receipt of the XXXX and was advised AES would need an additional 7-10 business days. I complained that they already had the first set and that these XXXX were no different, except extending my military time. I explained I needed the XXXX to be processed and the benefits applied, so I could request a forbearance before the next payment date. He could not explain why my benefits had n't yet been applied and that he could n't do anything to assist me. I asked for a supervisor and after 5-7 min on hold he came back and said there was no available supervisor to assist me. It should not be this difficult to receive my SCRA benefits.

Company response to consumer: Closed with non-monetary relief