vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: ID

Complaint narrative:
Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
In an effort to conserve on high cost of cable I searched for alternatives and replacements for renting the monthly cable boxes. I found the company XXXX XXXX through a google search. I called the number and left a message as directed by the voicemail, about two weeks later a man named XXXX called me back. He talked very convincingly about his cable boxes and the high cost of cable bills how I could reduce my cable bill by buying my own box.The box was to be plug and play I was excited as I wanted to save some money. I agreed to pay {$130.00} for a cablebox. On XXXX, 2016 a digital CHECK # XXXX cleared for {$130.00}. When I received teh box it was not plug and play and required a card from the cable company. I called and XXXX agreed to take the box back. I sent the box back on XXXX XXXX, 2016 after receiving a XXXX and the product was received shortly thereafter. XXXX was to send me a new device within a four weeks. When the new device did not arrive I called and emailed XXXX. XXXX did not respond. I contacted the XXXX XXXX XXXX XXXX responded it would keep the information obtained from my complaint as part of its ongoing efforts to identify businesses that may engage in patterns of deceptive practices. Suntrust refused to offer any assistance filing a dispute as described in its XXXX XXXX, 2016, letter. The SUNTRUST fraud investigator did not identify itself responded that SUNTRUST was under no obligation to me to pursue any actions to recover the $ XXXX letter did not adequately address my concerns as it related to deposits. SUNTRUST should be able to dispute a digital check or any withdrawal that describes SCAMS like this. I want to submit documents to be posted for the public to see how XXXX XXXX is and how SUNTRUST refused to offer any consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered. 
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.

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 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: MA

Complaint narrative:
There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove

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 2015-10-08 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Travelex NY, Inc.
State: OR

Complaint narrative:
Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: PR

Complaint narrative:
My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.

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 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance 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 2016-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: MO

Complaint narrative:
I spoke with Sallie Mae regarding my student loan repayment options and requested an alteration to the length of the loan to reduce my monthly bill. However, they did n't even think for a second, and simply said " No, we do n't do that. You owe what is on your monthly statement. ", then asked if I wanted to make a payment. When I said that I did not want to make a payment at that time he said have a good day and hung up. Because the federal government has decided to let student loan providers XXXX anyone trying to better themselves they apparently do n't care at all about their clients once they have you on the hook. They know that there are no available options for people like me, legal or otherwise, to even get help on handling this debt. I did n't ask them to forgive my debt, and I was trying to offer a way I could pay them back, but since they are above the law they know they can just tell me to XXXX and simply garnish my wages. I am now in a situation where I am having to consider filing for bankruptcy. If Sallie Mae could work with people there would n't be so many individuals in default on loans, but I know I ca n't do anything about this debt, so I have to see if I can do something about other debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.

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 2016-07-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with National Collegiate Trust which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with National Collegiate Trust because they no longer have the loans. I do not see any ownership information from National Collegiate Trust or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was National Collegiate Trust but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. National Collegiate Trust and XXXX are trying to commit fraud against me. I have the copies of all of the complaints I have against XXXX as proof. National Collegiate Trust can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN ADVISORS GROUP
State: DE

Complaint narrative:
AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: PA

Complaint narrative:
I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: NY

Complaint narrative:
A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.

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 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation