vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jonathan Neil & Associates, Inc
State: TX

Complaint narrative:
I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: IL

Complaint narrative:
AES refuses to assist me with a reasonable payment option for my ALPLN loan. I am not able to make the current amount ( it is an entire paycheck at my current wage ) and they simply state there is no other options. If the current situation continues it will cause great undue hardship upon me and my family. Take note that I have made timely payments since for years now. I sincerely asked that they provide me with any option and they stated I had used all my options. They offered to lower another loan amount ( only temporary of course and they make it sound like this option is there to help me of course its going to put a lot more money in their pocket ) but of course that would lead to paying a greater amount of interest on that loan leaving me worse off than I am currently. I want to repay my debt however they make it impossible, the interest rates are completely unaffordable. I soon as I feel like Im on top of this situation they pull the rug out! I have paid more than enough interest for them to tell me there is not an option is completely cutthroat on their part. If they truly cared about the consumer they would take into consideration the individuals income or help them by finding an interest rate that is affordable and profitable for the company. AES is taking away the future of the students it supposedly served to help obtain a solid financial future. The university I attended is XXXX University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.

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 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
This morning received back to back robo-calls which leave no message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: VA

Complaint narrative:
I am currently working part time and is struggling to repay my XXXX private loans. XXXX XXXX XXXX recently sold my loan to American Education Success. XXXX prior to selling my loan to AES sent me a letter. In that letter, XXXX wrote that all the terms would remain the same. However XXXX had my loan in deferment until XXXX 2015. AES has informed me that payment is now due on XXXX XXXX, 2015. The AES Agent said that their are not going to honor the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I went to XXXX to get my report. The Equifax questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: ME

Complaint narrative:
I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: TJC Mortgage, Inc.
State: AL

Complaint narrative:
I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: CA

Complaint narrative:
In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TN

Complaint narrative:
I have no knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.

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 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PCR Group
State: FL

Complaint narrative:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation