vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.

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 2015-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Cardmember Services refuses to allow me to dispute future, recurring charges to my credit card.

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 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My mortgage company SunTrust, unilateral and unconsulted changed my interest rate of 2.75 % fix on my mortgage loan agreed, approved and signed under a Permanent Loan Modification from XXXX XXXX, XXXX, on the new following rates : - Since XXXX XXXX interest rate was changed from 2.75 % to 3.00 % - Since XXXX XXXX interest rate was changed from 3.00 % to 3.50 % and interest only mortgage was converted to Principal plus Interest - A letter received from SunTrust mortgage states that they will continue increasing my interest rate basis in a Margin plus an Index XXXX adjustable rate. ( totally against our last year agreement ). 
I consider all SunTrust 's actions took on regards of my interest rate unfair and illegal, and base my statement on our mutually reached, signed and obligated to enforce agreement where clearly indicate of their paragraph XXXX ( c ) : " Under this Agreement, the Borrower 's interest rate for the remaining term of this loan will be 2.750 % '' ( attached you will find copy of my Permanent Loan Mod Agreement reached on XXXX XXXX In addition, I 'm attaching a copy of the recent mortgage statements received since XXXX that clearly shows SunTrust 's mistake incurred that made me overpaid my mortgage. By this mean, I formally requested a review of all previous mortgage interest calculated since XXXX XXXX, and an immediate refund of all extra payments charge as result of this interest increase since XXXX XXXX until XXXX XXXX. Also, I requested new mortgage statements for the month of XXXX XXXX and after using the right interest rate approved by 2.750 % according to our Permanent Loan Modification reached in XXXX XXXX. 
I believe SunTrust should immediately respond and proceed to correct all their mistakes created against me, meanwhile, they should refrain to collect any mortgage amount different than the XXXX stipulated in our agreement.

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 2015-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: CO

Complaint narrative:
I wanted to see my credit report before I went out and applied for an apartment. Upon requesting my information from the XXXX bureaus in Annual Credit Report and Credit Karma I could not get passed the verification stage. Apparently, the information I provided is wrong and I have a home loan from XX/XX/XXXX, a credit card from XX/XX/XXXX, and a debit card that is not the one I have in my wallet, which is the only debit card I have ever had and I got it in XX/XX/XXXX. I do recall losing my wallet in XX/XX/XXXX in the back of a truck that I have n't seen since that day. I replaced my I.D . the next day assuming that the guy could n't have done anything in a night, plus I was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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

Complaint narrative:
I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My bank neglected to notify me that my escrow was behind. 
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me. 
I made my payment every month for the amount I thought was due. 
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me. 
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments. 
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused. 
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees. 
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: PA

Complaint narrative:
Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: NV

Complaint narrative:
When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARS National Services, Inc.
State: IL

Complaint narrative:
BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-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 monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: APPLE RECOVERY, LLC
State: CA

Complaint narrative:
I was contacted by phone at my work place on XXXX/XXXX/XX/XX/2015 by AppleRecovery attempting to collect on debt I do not owe. The call was very threatening in nature, and I was told this debt was not covered under my bankruptcy. They also sent a debt collection letter to my home address dated XXXX/XXXX/XX/XX/2015 trying to collect the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: NY

Complaint narrative:
My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: NY

Complaint narrative:
on my XXXX report it is showing an address that I previously lived at, that is not mine at all. This is recent activity, and I see it as means of a fraud or possible identity theft. I would like it looked into right away.

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 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: PA

Complaint narrative:
" FedLoan Servicing '' received my request to recertify my income-driven repayment plan on XX/XX/XXXX ; on XX/XX/XXXX, I received notice that " At this time, we [ FedLoan Servicing ] are currently experiencing a high volume of IDR requests. '' This continues a consistent pattern of communication lags around IDR recertification requests of at least one complete billing cycle -- seemingly pushing back their need to communicate around IDR recertification requests sufficiently long that borrowers ' IDR plans will lapse, and borrowers will need to make full payments ( this occurred last year, as I received multiple requests for information that FedLoan Servicing admitted to *not* needing -- I had mistakenly noted that I had been married during the last year, but as we were not filing our taxes jointly as yet, this would not impact my payment levels ; however, because I had *noted* the change, FedLoan Servicing insisted that I submit all of my wife 's financial documentation, and repeatedly rejected it ( she is an XXXX, and thus could not provide documentation from her employer ). However, at least three to four weeks were allowed to elapse between each communication I received from FedLoan Servicing, maximizing the number of billing cycles during which I was forced to make full payments after my IDR plan had lapsed. It now appears that FedLoan Servicing is engaging in similar delaying tactics this year, waiting over a month to respond to my IDR recertification request, and then only to make the excuse of " high volume '' and provide *no* estimate of when this request will be processed.

Company response to consumer: Closed with explanation