vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC
State: TX

Complaint narrative:
We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Van Ru Credit Corporation
State: MI

Complaint narrative:
I have a student loan in which I have been done both consolidation and rehabilation but I defaulted again. My check was being garnished as well as my Federal Income taxes have been taken. I borrowed {$20000.00} to go to college. After defaulting on the consolildation it went up to XXXX after failing to comply with that going into default my student loan became {$39000.00}. I admit that I have not taken care of this matter as best I should have But I think my rights as a consumer is voliated when I am told by the Collecting Agency that payment that were taken by garnishment do n't really count as payment because I did not make any voluntarily payments But Van Ru has garnished by pay for over three years as well as my income taxes are being kept. I know that Van Ru is being investigated for charging outrageous interest on student loans. I know that over {$40000.00} have been paid by me either directly or taken through garnishments or taxes. I will like to know why I was told by Van Ru that there is nothing that I can do to ever come out of default with my student loans. I think that is a punishment which is to severe. I will like to know my true total that is owe to Federal Student Loan. I am trying to get out of default with my student loan, I think it is ridiculous to say that I still owe {$60000.00} in student loans when you look at my payments I have paid well over the {$20000.00}. that I have borrowed originally. I have signed up for student loan forgiveness programs and paid but I was told that I do not qualify for any programs to come out of default. There are student loans forgiveness program that are out taken consumers money..When they do not have the ability to help you. But they are charging these outrageous fees. They tell you that it is a money back guarantee. I paid an agency that promised to assist me student loan forgiveness and they just took my money. I understand that I allowed my loans to go into default. But to take my through garnishment and taxes and tell me that the payment are going towards fee charged by the agency and interest. But yet no even making a dint in the principal which is about three time what I have borrowed. How many times am I going to pay {$20000.00} that I originally borrowed. This is wrong on so many level. It is inhumane.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information. 
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.

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 2015-08-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: DE

Complaint narrative:
I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
I am currently repaying a student loan to fedloan servicing who have an inaccurate total that I currently owe them. All of my loans have been consolidated but credit has not been given for the payments that federal government collected over a period of 20 years. When my loans were defaulted, my taxes were taken and I was voluntarily having {$170.00} withdrawn from my checking account for over 16 years. The collection agency was the XXXX XXXX XXXX and I have not been given credit to my account for those years of payments that they collected from me. I want those tax collections that they intercepted and I want those voluntary checking account deductions to also be credited to my account. This will significantly impact my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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 qualify for a loan forgiveness program because I work for a XXXX. FedLoan got my loans, and did not inform me they were my loanholders- or that I had my first payment- until three days after that first payment was due. They then informed me via mail, email, and on my account info that my payment date was the XXXX of each month, but they 've been charging me TWICE a month ( the XXXX and XXXX ) and refused to change the loan due date until I was current, which is difficult to do with my finances and the fact that they 're asking for over {$300.00} a month from me. I just managed to do it days ago, and informed them of such ( they asked me to tell them when I was current so they could help ), and they still have n't changed my due date to a singular date on the XXXX, which means that they " ca n't '' change it until I pay them another {$150.00} because that extra payment was due today. From talking with friends and family who use FedLoan, this sort of theft seems to be common with them, and of course no one reports it because only " a few hundred '' gets swindled. I 'll happily pay back my loans, but I ca n't pay them back if the money does n't physically exist to do so. At no point did FedLoan EVER inform me that I was on any sort of " twice a month '' payment plan, and even looking at my account info right now it says I pay on the XXXX. Not the XXXX AND the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you 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 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan Servicing, a private entity, on behalf of the US DoE, processes payments for my student loan. In order to maximize accumulated interest, FedLoan Servicing deliberately and unlawfully posts electronic same day bank deposits one day later than receipt. No other known entity behaves in this unethical manner. The same practice does not occur with my credit card issuers or my car loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. 
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. 
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.

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 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX. 
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of. 
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance. 
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}? 
Past due {$2200.00}? 
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )? 
Past due {$2200.00}??? 
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!! 
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )? 
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX. 
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower. 
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached.

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 2015-12-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I enrolled at XXXX XXXX College XX/XX/XXXX ( now XXXX College ), graduated XX/XX/XXXX and borrowed {$48000.00} from American Education Services to complete the program. Like most private loans its a standard variable interest non subsidized loan. Currently my balance is {$47000.00}. I did get laid off within the 8 year period and was unable to make about 8 payments but have been faithful on the other, roughly, 88 payments. I have made over {$29000.00} in payments to the company ; I do n't understand how my balance has only dropped by {$1000.00}. I call and can not get a direct answer from the company. PLEASE HELP me! I am desperate to get out of debt but at this rate I 'll never see the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
First National Bank Omaha - horrible customer service. 
Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. 
So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! 
When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. 
But they are the BANK and always right. Note the unsympathetic response. 
Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. 
How do my balances increase when I have n't made any charges - I 'll include on example, there are others. 
Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. 
This BANK is horrible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my 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 2016-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

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 2017-03-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.

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