vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: TN

Complaint narrative:
In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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: FL

Complaint narrative:
I enrolled in the Public Service Loan Forgiveness program because I only work for non-profits. FedLoan Servicing has given me the runaround since XXXX. I have sent in the forms, which they claimed they never received, sent them again and again via fax, yet I can not get the customer service reps to accurately record my employment with the non-profits correctly. By them not recording the information correctly, they always say I am not enrolled or they have no information regarding the agency. I have been with the XXXX FL XXXX ( the 2nd time ) since XXXX. Today they recorded it as XX/XX/XXXX. Prior to that I was employed with a XXXX organization in XXXX - no credit for employment there. FedLoan Servicing has done everything possible to incorrectly show accurate employment information to make sure I dont get credited appropriately. They do n't even credit my overpayments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.

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 2016-12-28 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: UT

Complaint narrative:
I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: CO

Complaint narrative:
I signed up for direct debit, have e-mails saying it was set up for XXXX to be paid ( the due date ). Come XXXX it had not been withdrawn from my account. Worried I called My Fed Loan and they said sometimes it takes a couple of days to withdraw the amount, so I waited two more days, contacted them and they said it WAS PAID, but nothing came out of my account! I figured maybe it was in the process of transferring or something? Eight days later and they 're sending me notices for not paying. 
That is absolutely ridiculous ; there is no reason in this day and age when student loan users are grossly abused that the provider ca n't have a decent system set up SO I CAN PAY THEM THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: OR

Complaint narrative:
I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone. 
( 2 ) Telephonic harassment is a Class B misdemeanor. 
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation
State: TX

Complaint narrative:
I 'm a XXXX veteran living on social security and XXXX. I cosigned a loan for my daughter when she was in her last year of college in order for her to work as an intern and complete her degree program on time. She graduated, bought a dependable car, got a job in XXXX and two years later was married. She now has XXXX small children and a husband who provides for the family and struggles to make ends meet. He is an XXXX and work is feast of famine. His work has been showcased around the world but sales of his work are not steady. Recently we started receiving these letters. My credit score has dropped more than twenty five points since XXXX. I want to help my children, but my resources are limited. My son-in-law is doing the best he can and is working tirelessly to provide for his family. I need to get him the help to get these threatening people to backoff. I want them to leave me alone and not mess up my good credit that I worked years to get.

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 2015-11-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mid-Atlantic Consumer Services
State: GA

Complaint narrative:
I am not sure what happened. I think my ex-husband applied and received a payday loan in my name in 2010 when we were at the end of our marriage so he could move. He handled all of the bills. This company has continued to call my job since 2010 and I have asked them several times to not call my job. I have also asked them how can I resolve this issue. I have asked if I can file fraud documents to prove this, I was told if I shut up then it can be explained. I calmly asked and was still rudely told to shut up and it would be explained. XXXX XXXX ( Supervisor of Verification from Mid-Atlantic Debt Collection ) XXXX told me to shut up numerous times until I finally hung up on him and blocked the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. 

*Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. 

*XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. 

* Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. 

Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc.
State: NC

Complaint narrative:
My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.

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 2016-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CRA Collections, Inc
State: DE

Complaint narrative:
with all of the above stated derogatory marks on my credit, it seems all are medical bills. Being that I am a XXXX XXXX who has paid for medical insurance for years, and when i was unemployed during lay off periods and what not I had medicare. If they could all be brought into XXXX debt, not several seperate collections, I would be more than happy to find a payment solution, and given a break on the total lump sum due to financial situations and I already pay a medical premium, child support, taxes, etc. If possible I would like all the medical credit history brought together as XXXX collection and a payment set up.

Company response to consumer: Closed with explanation