vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Texas Guaranteed
State: TX

Complaint narrative:
My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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: WY

Complaint narrative:
I filled out a credit app for Credit Karma and it said my information is wrong and that SSN is not mine.

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 2015-09-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: MI

Complaint narrative:
American Education Services based in XXXX, PA has been servicing my student loan for approximately 7 years ( it was sold to them by XXXX XXXX ). Since that date, my principal balance has not dropped under the original loan amount of {$20.00}, XXXX. Every time I call AES to clarify these details I 'm told " I just do n't understand how interest works '' and that they 've only been servicing the loan since XX/XX/2015. I 'm never allowed to speak to a Supervisor and am told if I need more information I should contact XXXX XXXX. I 've paid over {$17000.00} towards this loan. My last statement says I still owe {$20000.00}. XXXX XXXX does n't even have a student loan program anymore so it 's virtually impossible for me to contact them for the details as AES has suggested. Based on internet complaints, I am NOT the only person in this situation. I just want to know where all my money has gone. They have harassed me by phone and mail claiming my payments have been late. After proving to them that my payment was made on time, it turns out they just had n't processed it on their end. These practices must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I went into Suntrust Bank on Wednesday, XXXX XXXX, 2016 and spoke with a representative to open a Checking and Savings account. I had a previous positive history with this bank with over four Certificate of Deposits that I open totally over {$10000.00}. So I get the new debit card in the mail for the checking account and I try to activate it. The card would not activate it was blocked. I went into suntrust bank to speak with a rep and he told me because I owed {$130.00} to the bank they have closed the savings and checking acct and put a block on the card. I was totally outraged, hurt and disgusted. I had just did a opening deposit of over {$4000.00} cash. So the bank rep pleaded to the office to not close my account but just deduct the {$130.00} out of my account. I was shocked and then on top of that I said well where is my cash deposits, I need my money now. Then the representative said Suntrust will mail your funds within 7-10 working days. I said oh my XXXX, you all have left me with no access to my money and my bills are due. They did nothing to resolve this. Now I am left with no bank accounts and money. Could you help me resolve this.

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 2016-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: SC

Complaint narrative:
Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Ive been totally XXXX since XX/XX/XXXX, Ive been paying 12 years and i still have another XXXX or so years left. my husband is now not working, we are receiving social security. My husband is XXXX military and just came home for good from working in XXXX for 5 years. Ive tried asking for some kind of relief, but they will not help. Please someone help me to get this debt discharged. Borrowed {$20000.00} and to this date i still owe XXXX approximately time started repaying was after my daughter graduated from college in XX/XX/XXXX. American Education services is the loan person Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Quad Corporation, Inc.
State: IL

Complaint narrative:
I went in to work which is XXXX. A co-worker gave me a message that a friend that I knew named XXXX XXXX called from the number XXXX and to give him a call back. 

I do not know who XXXX XXXX is, but called the number anyway and was told that this was Quad Corp a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2016, I sent a letter to Transunion disputing an erroneous judgment that just recently appeared on my credit report. This error is preventing me from buying a car, renting an apartment, and from taking out loans needed to operate my business, thereby seriously damaging me financially. After 30 days of sending this letter, I received no response at all, so sent a second letter on XXXX XXXX. Again I have received no response, and this issue has not been resolved. 
The issue date of the judgment listed on my report was over 10 years ago, and it only appeared on my credit report sometime late last year. I found out it was there after being denied credit. I sent the same letter to XXXX on XXXX/XXXX/2016 and they promptly deleted the item from my report as it is very clearly in violation of Fair Credit Reporting Act. 
I am attaching copies of the letters I sent, along with certified mail receipts, and a copy of the letter I received from XXXX showing where they removed the item. 
Thank you very much for your help in resolving this matter. 
Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI

Complaint narrative:
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.

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 2016-12-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.

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 2016-09-11 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: NJ

Complaint narrative:
I applied for income based repayment in XXXX 2016. My Fed Loans has continually put off processing the application. I have called them multiple times a month for the last few months and it still has n't been processed. They keep saying that if I a pay a {$4.00} bill it will get processed. At first the bill did not come for a couple of months despite calling repeatedly and asking about it. Now I have paid the {$4.00} bill twice and still my loans have not been processed to income based repayment. Fed Loan Servicing keeps putting my loans in forbearance allowing interest to accumulate at an astronomical rate. My wife 's applied at the same time in XXXX had her loans processed in 2 weeks by XXXX XXXX XXXX. No matter how many times I call and they promise it will go through nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC
State: MA

Complaint narrative:
Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.

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 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Roycroft Management
State: SC

Complaint narrative:
I originally had a loan with a company-Check N Go that was defaulted on. I may have received one piece of correspondence in the mail from the company however have not received any other mail or phone calls. Today out of the blue I receive a phone call from a " locator '' looking to find me in order to give me a phone number to call a number about a case or I would be served with papers. I called the number given-XXXX and spoke with a XXXX XXXX. He informed me that I was going to be taken to court for all of these charges if I did n't pay them or set up a payment arrangement giving them a credit card of bank account number. I asked for the name of his company and told him that I needed something in writing. He said I should know about the debt and if I did n't set anything up today then there was nothing that could be done about the file and I would be served. I asked the name of the company and he gave me " Central Mediation Services ''. They further went on to say that I would be served at my place of employment if I did n't comply.

Company response to consumer: Closed with explanation