vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC
State: DC

Complaint narrative:
I opened a new XXXX account on XXXX XXXX, 2015 and returned the device and cancelled the contract on XXXX XXXX, 2015. This was within the 14 day grace period as specified in the contract. I began receiving bills for an Early Termination Fee ( {$420.00} ) shortly after, and I contacted XXXX on XXXX separate occasions, once on XXXX/XXXX/15 and XXXX on XXXX/XXXX/15 where each time they assured me that the ETF was erroneous and would be removed. 

On XXXX/XXXX/15 I was contacted by Vantage Sourcing , LLC, a debt collector, claiming I owed {$420.00}. I have contacted XXXX many times since then, and after many hours on the phone they still will not remove the charge or even allow me to mail them proof that I returned the device and cancelled the contract within the specified grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.

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 2017-02-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: TX

Complaint narrative:
constantly calling even after i have made deferred plans which put me at a monthly payment of 0.00 Last week someone called and i explained this to them and they called right back. Constant harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: National Enterprise Systems, Inc.
State: PR

Complaint narrative:
I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. 
The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. 
They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. 
I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I previously was the owner of a property and had a mortgage with Fay Servicing , LLC. In XXXX, XXXX I was granted a Consent Judgement of Foreclosure. I submitted this court document with a letter to the mortgage company in XXXX, XXXX. The company Fay Servicing LLC has continue to report negative information to the credit bureaus up to XXXX XXXX, XXXX. Due to this negative credit reporting, I have been denied a PLUS loan to pay for my child 's college education. I have contacted Fay Servicing LLC to request the negative reporting to stop and for them to send me a letter indicating my current account status which is closed. They will not provide me this information so I can appeal my loan denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Social Finance, Inc.
State: MI

Complaint narrative:
First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: FL

Complaint narrative:
AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Texas Guaranteed
State: TX

Complaint narrative:
I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Texas Guaranteed
State: TX

Complaint narrative:
Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Nicholas Financial Inc.
State: AL

Complaint narrative:
Was late on auto payment but now I am current. Finance company still showing I 'm 2 months behind. Called to question why it was still showing me as in arrears but was provided with an answer. Was told they could n't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants Adjustment Service, Inc.
State: MI

Complaint narrative:
They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: MI

Complaint narrative:
MY son died in XX/XX/XXXX with student loans outstanding. I co signed 11 years ago and now I am XXXX years old and live on SS and small pension. I lost all savings in XX/XX/XXXX and had to sell all my property on a shot sale in XX/XX/XXXX. The payments on the loans will take me until I would be XXXX years old. Impossible. In addition the loans are not with the original bank and owed to AES and NCT a collection and servicing company. The school was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Case number : XXXX Related Case Number : XXXX Overton Lied to Federal Agents, considering the fact that Bureau of Consumer Financial Protection is a United States Government Agency, to lie to an employee either directly or via website, that is the same, in my opinion to lying directly to a federal agent. 

Title 18, United States Code, Section 1001 makes it a crime to : 1 ) knowingly and willfully ; 2 ) make any materially false, fictitious or fraudulent statement or representation ; 3 ) in any matter within the jurisdiction of the executive, legislative or judicial branch of the United States. Your lie does not even have to be made directly to an employee of the national government as long as it is " within the jurisdiction '' of the ever expanding federal bureaucracy. Though the falsehood must be " material '' this requirement is met if the statement has the " natural tendency to influence or [ is ] capable of influencing, the decision of the decisionmaking body to which it is addressed. '' United States XXXX ( XXXX ). ( In other words, it is not necessary to show that your particular lie ever really influenced anyone. ) Although you must know that your statement is false at the time you make it in order to be guilty of this crime, you do not have to know that lying to the government is a crime or even that the matter you are lying about is " within the jurisdiction '' of a government agency. United States XXXX ( XXXX ). For example, if you lie to your employer on your time and attendance records and, unbeknownst to you, he submits your records, along with those of other employees, to the federal government pursuant to some regulatory duty, you could be criminally liable. Source : XXXX The actual lie was stating that my complaint was " baseless ''. Therefore, I respectfully suggest that the compliance officer should be arrested, and criminally charged. ( XXXX XXXX XXXX ) Release the audio tapes to the consumerfinance.gov. It will show that i answered the phone, but I was not verified until long after the debt was disclosed, a violation, in my opinion to title 15 fair debt collection practices act. A possible civil tort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Second complain I have been trying to resolve mortgage escrow act since XXXX, XXXX after previous issues with lender ; my loan amount was corrected on XXXX XXXX, XXXX and current ; now after trying to resolve an escrow dispute lender has decided to avoid correction previously made and increment my loan amount for amount I do not owed.

Company response to consumer: Closed with explanation