vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!

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 2016-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: IA

Complaint narrative:
I had to defer my payments to start due to XXXX for my child and accumulating medical debt. Now They say I do not qualify for this. I Thought I was deferred and while applying for mortgage i find out i 'm actually in collections! I wan to start paying now, but can only afford what I can. I 'm not getting these choices. Im trying to consolidate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Van Ru Credit Corporation
State: VA

Complaint narrative:
The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws

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 2015-04-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: PA

Complaint narrative:
I had routine visit 's to XXXX XXXX XXXX center in XX/XX/XXXX I stopped getting bills after normal month and insurance coverage wait. I continueously contacted their billing dept throughout XX/XX/XXXX with the concern. Was abruptly told that their billing system changed and I would get the opportunity to make my payments once things were straightened out. In XX/XX/XXXX I received a total of amount due from their Dept out of state in XXXX with a " Collections XXXX XXXX '' address. I immiediately called that business number and was told I owed payment in full. I reached the local branch office in XXXX business dept to discuss my concern at this point and inability to make a full payment. They set me up on a payment plan. I immiedately made my XXXX payment and every month since, thereafter, to date as of now XX/XX/XXXX. A few months ago I received XXXX " Collections '' notices of an amount due much higher than what I have it already paid down to, along with harrasing calls from a dept collector on the facilties behalf named " PASI ''. This become so frustrating as they would not initially acknowledge the proper amount I yet owed but that I had already been making payments monthly and on time all along to XXXX XXXX XXXX XXXX directly which I have full documentation of proof of. I actually had to go to the local business office in person to ease my mind and was late for work. I eventually lost my job over this and the emotional distress it has put me under. Now I am getting calls yet again by " PASI '' to collect this " Debt '' which is not a Debt as I am still and all along making payment directly to XXXX XXXX XXXX XXXX intially by phone debit payments and most recently via their website as they instructed me that I could do. So I am now without a job, yet still making my payment as per their payment plan directly to them, and still getting harrassed by debt collections " PASI ''. What rights do I have at this point? Again, I have full documentation of all payments and some legal recorded calls regarding the matter as I informed other party on phone that I would be recording the call as per XXXX state law. Can anyone help me? I am emotionally distressed over this and out of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from 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 2016-05-14 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: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
American Capital Enterprises is reporting a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I was reviewing my yearly credit report from XXXX when i noticed that on XX/XX/2016 Santander Bank access my credit without my knowledge or permission. I contacted them via certified mail, expressing my concerns about unlawfully running my credit and i have not receive any response. They received my letter on XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer U.S.A. repossessed my car due to non-payment. That is not the issue. They have my home phone number, as well as my cell phone number, to reach me. They have contacted my parents, who were not on the loan and were not listed as references on any of my paperwork for the car loan. They told my mother that my car was repossessed and that they are attempting to reach me to pay off the balance of the loan. They never had my permission to tell my parents about anything concerning my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: IN

Complaint narrative:
XXXX XXXX XXXX ( also known as XXXX per their messages ) has been calling harrassing me for weeks on a debt that is not valid. Claiming that in 2009 I walked into a physical payday store called XXXX XXXX XXXX ( which in my state there is no such thing ) and took out a loan and deposited it into a bank account that I had closed years before 2009. I have received no formal debt validation letter so that I could dispute this. When I asked for a debt validation letter she said they do not send out that information, etc. I explained that this debt is not valid and to stop calling me. She started to threaten that I would be served papers at my place of employment and/or home. I asked for their physical address and formal name of company, she would not provide me with any of that information. They lady would not let me speak, she was extremely rude. Even after requesting the calls to stop, they continue to call my home, cell phone, and work number.

Company response to consumer: Closed
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Good Morning to whom this concern This incident is totally about disrespect, and lack of respect, as well my name is XXXX, my wife XXXX went to the Apple bank in the XXXX on XXXX & XXXX XXXX on the morning of XX/XX/2016, just to get a letter Notarize, the Notary a XXXX woman there, was very very professional and kind and was telling my wife and I about opening an account there which we were considering, being a XXXX I have seen and felt so much issues? from all walks of life but I will always believe 1 day we all learn to respect one another, just then an XXXX woman came from another direction walk toward her desk and shouted to another worker at another desk ( while looking at me ) why she did not put her pocket book away, the other worker apologize for not putting it away, I was so offended that I told my wife I am not opening an account there, once the notary was done I told my wife outside what the woman had said, she said that she was talking to the notary and did not hear everything and she wanted to go back in and say something to the woman but I told her no, that I a will write an letter to the President of Apple Bank, The woman who made that remark ( Manager or Not ) should be reminded words can hurt and be offended and profession is required by all Levels Thank you for listening XXXX XXXXXXXXXXXX The service do not give me an option box to click on so I will click on Management because she was woman was on higher than a teller level My number is XXXX I do not wish for her to be fired just remind her to stop judging. Thank You again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Chase Bank will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.

Company response to consumer: Closed with explanation