vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I opened a SunTrust checking on a promotion. {$250.00} Half if you deposit {$100.00} within 14 days of opening and the other half when you maintain deposits. I will include correspondence, but what it boils down to is I was deemed ineligible. I began to investigate and saw a discrepency on their promotion details. SunTrust clearly in print says 14 days. 
I have always understood banks and businesses to use " business days. '' Well I would have qualified for the promotion had it been " 14 business '' days. SunTrust said " we meant calendar days. '' Which is represented no where in their promotional document in plain public viewing eye. I kept following up and asking for clarification and I kept getting the same ineligible computer generated CSR response. I finally spoke to one CSR and I was " put on hold '' while they read the XXXX paragraphs of the promotion detail and then " click. '' I called back and spoke to one of the execs XXXX XXXX or XXXX and I could n't connect with her, she just left a generic response for me of my ineligibility. I spoke to another exec that agreed to present my pointing out of SunTrusts vague and imbiguous promotion terminology, still SunTrust says I am ineligible. I went to XXXX page and voiced my opinion. Still to this second, SunTrust is unwilling to admit that they have misleading advertising terminology and that it is open to interpretation and not specific. I am asking that they show me banking policies where " days '' are used in the banking world for transactions as opposed to " business days. '' Then a representative responded to my XXXX post and said " all transactions mean days unless otherwise specified. '' Again they proved my point. Their " disclaimer '' does not appear on the actual terms of the promotion. I interpret banks as using " business '' days, not " calendar days '' when I do transactions with them. I feel they should honor the promotion and deposit the funds into my account. They are in error. Their advertising department is responsible for the open-ended, vague communication of their promotional terms. Why should I be penalized for that? In all, I have proof that my funds left my XXXX in time to qualify also, but for whatever reason, SunTrust kept saying it was n't there until it was too late. Also let 's not forget that Monday, XX/XX/2016 was XXXX and all banking institutions were closed. So my money being delayed was not my fault, it was due to banking day holiday. 
I want them to admit their advertising is ambiguous and prove to me that banks use loose terminology when making contracts and doing business. I just want to see it in writing. I would also be satisfied with a code of laws to search to see where banks use days as opposed to business days.

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 2016-09-18 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: NV

Complaint narrative:
I have a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: MS

Complaint narrative:
I am XXXX and receiving XXXX benefits and can not repay my private loans. I 've asked for forgiveness and even options of changing my payment plan but the lender refuses to work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. 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 2016-03-22 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: OH

Complaint narrative:
I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: DC

Complaint narrative:
I completed the proper forms to request PSLF and emailed Fed Loan shortly after confirming my eligibility and asked that they provide me a date of transfer for the loans and got the following response : Thank you for contacting FedLoan Servicing! 
Your loans will be added to our system on XXXX XXXX, 2016. We will then calculate and provide you with the following information for each loan : - The number of qualifying payments you made during the qualifying employment period listed - The total number of qualifying payments you made during all periods of qualifying employment - The number of payments that are still required before you can apply for forgiveness - The date you are expected to be eligible to apply for forgiveness Your account must go through a detailed review process, unfortunately this review will take a minimum of 90 days to complete. This process can not be expedited due to the transfer of your loans. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday trough Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing Today I am being told by a rep at Fed Loans by the name of XXXX ID XXXX that the transfer of the loans from the original servicer who was XXXX took place on XXXX/XXXX/2016 and can take an additional 30 days to reflect on their system giving a post date on or about XXXX/XXXX/2016 which is not what I was told in the above email. I was then transferred to PSLF by the the Fed Loan rep and was told by XXXX the same thing but in addition to waiting up to XXXX/XXXX/16 for the loans to post, I will have to wait an additional 90 days from completion of the transfer to find out how many payments are eligible for PSLF for an estimated total of 5 months to complete this transaction which is not a realistic timeframe. In the meantime although the loans being transferred are currently in forbearance I have to sit and wait before I can pay anything towards the loans which is totally a violation particularly with my not knowing what my new estimated payment will be, how much the monthly payment will be impacted, nor the balance remaining due to this long processing period. If I had the preference I would have kept XXXX as my my servicer as their website is much more user friendly. I wish XXXX could handle processing/tracking of payments for PSLF. Fed Loans should take note and learn a thing or two from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: UT

Complaint narrative:
I am writing in to the CFPB in regards to my Federal loans I have through Fedloan Servicing. I currently owe {$48000.00}. I feel the information that was given to me by several agents at Fedloan Servicing was invalid, and deceiving. This is in direct violation of UDAAP and I have been deceived into consolidating my student loans for a lower monthly payment, doing a low income payment plan to lower my monthly payments to something that is more affordable and manageable for somebody with my income which is roughly $ XXXX-XXXX. In which case my monthly payment increased and are higher that what I would have been originally paying my monthly payment before I consolidated my student loans was about $ XXXX, now I am paying double {$410.00}. The agents told me by applying for a Income Pay as you go Payment plan would lower my monthly payment and consolidating my loans would do so as well. This information is not correct and very misleading. The information I was provided by several agents several calls that I have made since XXXX XXXX to current date XXXX XXXX. I have had to use my forbearance to weight for them to process my information only to have my payment increase rather than what I was communicated. Being in the financial industry and knowing about student loan debt, banking practices amongst other financial institutions this is something I felt would fall under UDAAP and something I would like the CFPB to look further into so college graduates like myself do n't have to go through this experience. If I had known that applying for this payment plan and consolidating my loans would cause my payment to increase I would have never done it to begin with. When I had applied for my repayment plan to decrease and lower my monthly payments I was told I would have to use my XXXX taxes. Being married and filing joint taxes my husbands income would be taken into account. Even though he does not have student loan debt and is not helping me pay back my student loans. Given his income is greater than mine this caused my monthly payments to be higher than what I would have been approved at on my own. So I applied for income sensitive repayment plan because I could not afford a monthly payment over {$400.00}. In which case I was rejected due to that fact that I was already in another payment plan that would last 12 months. Now I am financial hardship trying to figure out how to pay this amount without using my husbands income to help me. I feel all the information I was provided by several agents was misleading, incorrect and deceiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
During the month of XX/XX/2015 I made a lump sum of 80,000 to pay off my mortgage. I then contacted my mortgage company about lowering my payments because the amount I owed was less than what I owed on my car. The mortgage company XXXX Midland Mortgage ) suggested that I modify my loan to lower my payments. They said my payments would go down from 1200 to 600 if I participated in a modification program. I was then told to not make a payment and that the company would be sending me new loan papers. I then received a late notice in the mail after I did as I was instructed and I called the company to notify them that I was confused on why I was getting a late notification when I was told not to pay my loan by their representative. They then told me to ignore it and that once I complete the modification the loan would show current. I did as I was told but at no time was I notified that this was being reported to my credit bureaus as late payments as it was my understanding that the loan was being modified internally. I was a customer that did not have problems paying my loan as I had just paid 80,000 to my loan. If I follow the plan that they want me to stay on, for a balance of around 24,000 dollars I would end up paying them XXXX for the life of the loan. The company wanted me to appear as if I was struggling to pay my loan to get federal approval for the modification when that was not the case.

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 2017-01-03 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: CA

Complaint narrative:
I have a student loans with Fed Loan Servicing account # XXXX the interest rate is outrageous XXXX % for loans dispursed in XX/XX/XXXX and XX/XX/XXXX that is more than XXXX % above the current and previous prime interest rate.I have asked for assistance however they will not reduce the rate and will not allow any loan forgiveness even thought my daughter herself qualifies as a special educator. 
I am XXXX and trying to retire they will not allow my daughter to take over the loans nor will they work with me in other than my death there is no options for assistance. 

How can this be ok? I tried to help my daughter and at the time we were completely mis lead, my daughter was lead to believe she could transfer the loans into her name and that due to her occupation she would receive Teacher loan forgiveness. None of this ended up being accurate or true. Now I am stuck in a horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: AR

Complaint narrative:
I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.

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 2016-08-29 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: FL

Complaint narrative:
I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation