vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Esser, James & Associates
State: MN

Complaint narrative:
Called me, and co-workers 3 times at work after being specifically told to NOT call, my work place, all 3 times threatening to take legal action, and stated a " case '' number. Meanwhile, they have never even identified a " debt '' I supposedly owe OR the actual reason they are contacting me at all. XXXX violations at least, + left voicemail message on work phone threatening legal action. Spoke to XXXX XXXX @ XXXX XXXX/XXXX/16, and XXXX XXXX XXXX senior rep '' @ XXXX XXXX/XXXX/16, who started yelling at me on my work phone threatening to sue me. I will be suing them in small claims court for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Credit Card Receivables Fund Incorporated
State: NC

Complaint narrative:
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: First Direct Lending, LLC
State: OR

Complaint narrative:
Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Optio Solutions, LLC
State: WI

Complaint narrative:
I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Esser, James & Associates
State: MA

Complaint narrative:
This fake assets company harassing me trying to get my bank and credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My employer issued my wages on a business check with funds held at Suntrust Bank. 
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank. 
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?

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
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????

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 2016-06-30 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: TX

Complaint narrative:
American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.

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

Complaint narrative:
My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is 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 2016-02-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..

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 2016-10-12 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: FL

Complaint narrative:
I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.

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 — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been entered into PSLF and began making payments from XX/XX/XXXX since today without missing payments ( all of my payments have been on auto debit ). My loan was transferred to XXXX different servicers since I began repayment. Somebody along the way changed my in school date from XX/XX/XXXX ( when I graduated ) to XX/XX/XXXX ( when I had already made a year of payments ). Due to this, a year of payments have been discounted from my PSLF. I called XXXX and they said they can not fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: MO

Complaint narrative:
I feel that towards the middle/end of my school career, my student loan officer did not assess my ability to repay the loans properly and that my accumulated loan debt was not factored into the calculation. With the high interest rates of the loans, the accumulated loan debt, the amount of time/number of classes I had left to complete my degree and the type of degree I was working towards - there 's just no way I could graduate and make the kind of money required to be able to comfortably pay off the loans. I would have had to forego basic necessities to be able to afford the loan payments. I was just to naive at the time to realize the student loan impact at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.

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 2017-02-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.

Company response to consumer: Closed with explanation