vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had a suntrust bank account a year ago. However upon getting a check and placing it in my account my account was locked and I was notified by the bank it was because I had place more money in my account then normal and they had to check for suspicious activity. I had no problem with that .i would say about a week or so later I got mail stating that my account was closed due to this and that they were going to reissue my funds. I got that specific check mailed back to me and I was told that I could cash it at another place .i took that check to be cashed at XXXX .where I waited for about a hour for the young lady to tell me that she could n't cash it and no one else would be able to go back to suntrust to cash the check. I was never able to cash it and I 'm frustration I just gave up .fast forward to now I wanted to open a bank account with XXXX XXXX XXXX . I was approved and told I was going to get my card in the mail .before I even got my card I got a letter stating my account was closed .when I called to inquire why it was closed so abruptly without me using it I was told that it was due p fraudulent checks which I was bewildered about because I never had placed any funds into this account and I never obtained a XXXX XXXX XXXX account . I then tried with XXXX XXXX with no avail but being told the same dilemma .while having a suntrust account o never was told of this and now I ca n't open up a account anywhere until the issue is resolved

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 2016-03-29 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

Complaint narrative:
I am a XXXX resident in the XXXX since 2007. I currently have student loans in repayment with XXXX different providers, XXXX of which is AES. AES, unlike my other loan providers, refuses to take a card payment over the phone from the visa debit card linked to my XXXX bank account. Instead, they are insisting that I pay via money order or wire transfer on a monthly basis, resulting in a punitive surcharge on top of my monthly payment ( XXXX, or {$43.00} according to today 's exchange rate ). I have just spent 40 minutes querying this policy with XXXX supervisors at AES, citing the example of my other providers, XXXX and XXXX. I have been advised that the only way to use my card to pay would be to allow my loans to go into default, at which point I would be contacted by a collections agency, which would be willing to take a card payment over the phone. I have placed my loans in temporary deferment, while I seek resolution to this matter, either by intervention from CFPB or through refinancing my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. 
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. 
Meanwhile, Bank charged me {$35.00} late fee!

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

Complaint narrative:
I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,

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 2016-07-06 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: WV

Complaint narrative:
I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: PA

Complaint narrative:
Despite XXXX separate written inquiries to the creditor ( National Collegiate Trust ) and to debt collectors it has apparently retained, the creditor refuses to explain charges on an itemized list of charges and credits that bear no relation to the principal or interest. Each time I request this information, the creditor retains a new debt collector rather than provide the requested information. As the charges in question ( see, e.g., " Forward Fee/Gross '' charges on Transaction History in the attachments ) bear no relationship and as the creditor can not explain the charges, I believe that the creditor is seeking payments to which it is not entitled. The improper charges caused me to fall behind in payments, adversely affecting my credit. 

Additionally, it appears that National Collegiate Trust ( NCT ) is seeking double recovery as they have concurrently engaged the services of XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, XXXX. for the same accounts. Despite my written requests to NCT, XXXX, and XXXX XXXX, I have received no confirmation that only one agent is working on behalf of NCT to recover these funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage Services is the servicer of my FHA mortgage. I received a letter from my local tax office informing me that my XX/XX/XXXX city taxes that were due XX/XX/XXXX are now delinquent and a tax lien will be placed on my property if taxes are not paid by XX/XX/XXXX. After contacting my local office to inquire about the letter, and Carrington Mortgage Services, I have determined that Carrington Mortgage Services did not pay my XX/XX/XXXX city taxes from my escrow account. Carrington Mortgage Services has not been helpful in resolving this issue. When I contact them, I immediately get transferred to XXXX XXXX XXXX. After contacting Carrington/Lereta for the past week ( 5 business days ), the only information I have been able to obtain is that " the situation is being researched and escalated. '' I have not received any other information to confirm taxes are in the process of being paid. Infact, I have not received return phone calls as promised from XXXX, to update me on the status of my unpaid taxes. 
In summary, my XX/XX/XXXX city taxes were not paid from my escrow account and a tax lien is going to be placed on my property if taxes are not paid by XX/XX/XXXX. Carrington Mortgage Services has done nothing to help resolve this issue since I made initial contact with them on XX/XX/XXXX when I faxed them a copy of the delinquent tax notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT

Complaint narrative:
We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WV

Complaint narrative:
Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any information.

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 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My cousin from XXXX wired {$1300.00} to my bank account, however my bank only posted {$1300.00} to my account. Then my cousin wired another {$130.00}, but only {$110.00} was posted. My bank also charged me {$10.00} for each wire on top of what they posted. I called my bank to find out why they posted both wires that were {$20.00} short for each wires, and the person that I spoke to said that those are the only amounts that they received and that advised me to have my cousin go to his bank. My cousins bank said it 's on my side. I just do n't know what to do, both banks are pointing at each other, and I do n't know where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation