vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 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: PA

Complaint narrative:
When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Kirkland Asset Management LLC
State: MN

Complaint narrative:
I was contacted on XXXX by a company called XXXX. I asked what this was concerning and they said it had something to do with Legal Papers. I asked what type of company Kirkland Management was. They said they did not know. I was contacted the week prior by XXXX XXXX also. At that time, I did not disclose who I was and said I was a Friend of mine answering a phone call. They said I was to call XXXX for more info. I asked them as a 3rd party what it was concerning and they said it was a Judgement in a XXXX Court. Disclosing info such as this to an assumed 3rd party is illegal to my knowledge per the FDCPA, as is saying it concerns Legal Papers to a 1st party. I called Kirkland Management. The person that answered the phone was named XXXX. I asked XXXX what this was concerning. He did not give the company name or tell me they were a debt collection service upon answering. I asked what the Judgement in A XXXX court was about. He asked if I had a case ID. I said I did not. He verified my birthday and said the ID # was XXXX. He then put me on hold for XXXX minutes. At that point, XXXX answered. He told me the call was being recorded for quality assurance and that this was an attempt to collect a debt and that all info will be used for that purpose. He asked for the last four numbers of my SSN. I apprehensively gave them to him. I asked what was the Judgement in a XXXX Court was about. I asked if he knew that saying there was a Judgement in a XXXX Court was illegal per the FDCPA. He acknowledged that he knew that. We went back and forth over this and I told him that today they said it concerned Legal Papers. He would acknowledge this as being an illegal tactic also. I informed him that as a representative of Kirkland Management that it is as if Kirkland Management said it to me. He asked me if it was a recording or if I spoke to someone directly. I informed him I spoke to a person. His reply was " Wow! ". He said he would have liked to have heard what they said. I assured him that is what they said. He said he was n't calling me a liar, but again, would have liked to hear them say that. I told him I was filing a complaint with the FTC over these two issues. We went back and forth for a few more minutes before the call was terminated. Before hanging up, I told him not to call this number and that if they wanted to contact me, that they would have to do it through the mail. He said OK. I did record this call, but must buy the whole version of the app to do so. I will buy it when I get my next Social Security Check in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: CA

Complaint narrative:
XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The vehicle loan was behind on XXXX payments, and we received a notice to cure default. The co-borrower called and set up an ACH for XXXX XXXX. I received another letter as to payment being in default after XXXX XXXX, and that the vehicle was going to be repossessed so I called on XXXX XXXX to make payment to cure the default. I was told by a customer service representative that the ACH payment was made on the XXXX and the loan was showing current except for XXXX in late fees and XXXX 's payment. They would n't accept my visa debt over the phone and would only accept check acct information. So I could n't pay the them at that time. Apparently, on XXXX XXXX there was an issue with the ACH, which was approximately 15 days after the original ACH date. Instead of calling the co-borrower and letting him know there was an issue with his account or calling me that just called the day before to cure the default they issued a request for the truck to be repossessed. It was my understanding on XXXX XXXX that the default was cured, so Suntrust is demonstrating unfair and deceptive practices by failing to give notice that the account is no longer current. The truck was picked up on XXXX XXXX in the morning under repossession order. Suntrust further demonstrated those deceptive practices by telling me that they did n't have to inform me of the issue with the ACH or ask for the defaulted funds before getting vehicle repossessed even though I was willing to pay the funds to cure the default. It is my opinion, the Suntrust was out for unjust enrichment because I went from payment of {$1200.00} to cure the default to payment of approximately {$5000.00} to cure the default, which is outrageous. The original amount of {$1200.00} would have been paid if I would have received communication from Suntrust saying there is an issue with the ACH. Considering the issue occurred 15 days after the original date of ACH, I believe that Suntrust made the mistake. I paid to get the truck out of repossession and I am still receiving letters from Suntrust telling me that it is selling my vehicle on XXXX XXXX and telling me the total amount of what is due. I paid more than the amount to cure the default and I am still being harassed by Suntrust for more money for a vehicle that is n't even in repossession. I personally believe that I should receive a refund of the money over the default of the account due to the deceptive practices of Suntrust and continued notices received from Suntrust. I also believe that the repossession should be removed from my and the co-borrower 's credit report because if given the opportunity and the information I would have cured the default without a repossession.

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 2016-01-12 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I sent {$30.00}. to a friend in XXXX via western union on XXXX/XXXX/2015 from home using my XXXX. The charge was processed and I received a pop ip saying the transaction was being held for review. The funds are still held up and its been 12 days. I have e-mailed WU 3 times asking to either release or resend the funds back to me and they ignore my request. I have called them and still no satisfaction. My friend went to the WU office 3 times to collect the funds and was told they were being processed. After 30 days you cant get the funds back. I want my money put back into my bank account where they got it. I have sent money via WU many times and have a gold card with them and I have never received this kind of treatment. I was charged for money in minutes and do think I am due a refund of this charge. Transaction # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.

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 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc.
State: IA

Complaint narrative:
Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Zakheim Law Group, P.A.
State: FL

Complaint narrative:
On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MSW Capital, LLC
State: AZ

Complaint narrative:
This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail

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 2015-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Service Bureau, Inc.
State: CA

Complaint narrative:
I received a notification from my credit monitoring service and the following is what showed up : A company called General Service Bureau placed a collection on my XXXX report for {$190.00}. I have received no dunning, no contact and no proof of debt from them. I recently applied for a mortgage refi so I am assuming they are trying to cash in by illegally placing an improper collection on my credit report. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: OR

Complaint narrative:
Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
Hard for me to repay too many fees and federal taking all my taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!

Company response to consumer: Closed with explanation