vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA
State: NY

Complaint narrative:
American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX. 
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said. 

I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said. 
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you

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 2016-12-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.

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 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.

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 2016-04-26 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: NJ

Complaint narrative:
I was placed in a Rehabilitation Program with Pennsylvania Higher Education Assistance Agency ( PHEAA ) for my Parent Plus Loan. I became XXXX in XX/XX/XXXX and was no longer able to make my monthly payments. Based on my income, I am required to pay {$5.00} per month. I submitted a form for electronic payments to be deducted from my bank checking account. I received a call in XX/XX/XXXX & XXXX XXXX stating that my payment was overdue. I paid the amount by telephone, and once again faxed the form for electronic payments in XX/XX/XXXX and XX/XX/XXXX. I received a letter from The Department of the Treasury in XXXX stating that XXXX % of my Social Security XXXX Check, and my Federal Income Tax return for XXXX would be used to offset my loan. When I called PHEAA I was told that the forms had never been received. After numerous calls to the help desk I was continuously told that the forms had not been received. In desperation, I contacted their legal department and was able to speak with a supervisor. I was told that the form had been received ; however, it did not indicate whether the account was for my checking or savings account. I was told that nothing could be done once the information had been sent to The Department of the Treasury. Consequently, I have been left in dire straits for the last 2 months because of the offset. I 've done research to find out if any complaints had been filled against them. XXXX complaints have been closed with the XXXX in the last 3 years. The help desk at PHEAA is difficult to reach by phone during their business hours no matter what time you call. The help desk provided no assistance and told me that the offset will end in XXXX months. Their responses are inconsistent with the information obtained by the supervisor in the Legal Department. I am unable to access my account online to verify the payments that have been received. Once again after faxing the electronic payment form in XX/XX/XXXX, I received a call in XX/XX/XXXX stating that my account was XXXX days past due. This time they were able to locate the form ; however, the offset is still taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.

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 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Credit Karma, LLC
State: NY

Complaint narrative:
my credit is wrong i never had a credit card or apply for any credit card

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: MD

Complaint narrative:
I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: CA

Complaint narrative:
FedLoan Servicing has constantly put up roadblocks and failed to provide important material information to me in my effort to switch repayment plans to REPAYE. Most recently, they required me to make multiple full months ' payments within a two-week period with new " payment due '' notices popping up literally overnight after making a prior on-time payment. They and also initiated a capitalization of interest on my account which adding over {$12000.00} to my principal balance without notifying me that this was going to happen when I requested to change repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct

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 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.

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 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I was late verifying income, so my payment shot up by a factor of XXXX. That means FedLoan grabbed almost {$3000.00} out of my checking account, and by the time I found out what was wrong and reverified my income, another {$2900.00} payment had posted. They are now demanding that, even though it was due to a paperwork issue and even though I am making current payments. When I try to get help with the issue, they give me the runaround. This is the worst operation on the face of the earth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 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:
After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 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: CA

Complaint narrative:
Loan is with American Education Services Acct # XXXX I 've only had one day of work since XXXX and got behind on my payments but I was never 30 days behind. The last XXXX payments have been for more than my minimum payment in an effort to catch up. Last week I started getting phone calls from something called XXXX Bank about my account. I just called AES and a representative claimed my account was 34 days late. She could not find my last payment of {$95.00}. My minimum is {$82.00}. I made the payment online through XXXX bill pay on XXXX XXXX the same way I 've been making payments to them since 2011. XXXX indicates it should have arrived on the XXXX. Today is the XXXX and AES is not showing the payment which is making me over 30 days late which is not correct. The representative demanded I send tracking information from my bank which I refused to do. AES is notorious for not crediting payments in a timely manner and this time I caught them red handed. Please have AES credit my account in a timely manner and remove any negative credit reports they 've made in the last few months. I 'm almost done dealing with this criminal organization and I would appreciate you keeping a close eye on them. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.

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 2015-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I took out a private loan in 2005 for what I thought was a reasonable interest rate of 7.68 % standard variable not fully understanding how it compounded at the time. The original amount was 15,000 and the outstanding balance as of today is XXXX. Over the time span of 8 years I have made over 12,000 dollars in payments and the balance has done nothing but gone up. I could pay off a home mortgage quicker than this. The school at the time was XXXX University XXXX however I took the loan out through a XXXX bank private student loan who has since then sold the loan off numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: GA

Complaint narrative:
I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

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 2016-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.

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