vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

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 2015-05-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.

Company public response: Company 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 — Keep getting calls about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
My son has several school loans under American Education Services. I have to help him make his payments each month. When I go onto their online payment system, I have been paying amounts in increment installments on all loans by using their payment system. I pay each installment by the end of the month. Every month, I have been getting harassing calls by this company who states that my payments are delinquent. There is XXXX payment that they have been carrying over for over 40 days stating that this payment has not been made. I spoke with the supervisor and he claimed that the payment went on another loan. How can you use their payment system and request that this payment be made to this loan and it gets applied under another loan? This is not the first time that this has happened. I feel that I have paid them double the amount on my loans. For example, I paid my loan installments, in full, on XXXX payment in the amount of {$600.00}. The following month, I received a call from AES and they stated that I had a delinquency of {$300.00}! This amount also included late fees. This has happened before and when I approached AES that I wanted a summary detail payment list, they would not provide me one. The supervisor looked into it and stated that my money was allocated to other loans rather than the ones that I had indicated. This has happened to my daughter 's student loan that she has with AES, so this method is practiced quite frequently. American Education Services is the ONLY lender that places harassing phone calls. Other loan companies will call and ask if you have made the payment, and if you tell them that you will be paying the following week, they accept that statement. I do know that there are some people that will not tell the truth, and when they are asked about when they will be submitting payments, they lie. However, for someone like myself, who considers myself as a good person, gets harassed to the point that I have to hang up the phone. This has got to stop, not only for myself, but for other students who are desperately trying to pay back a student loan under this very poor economy. Another question, why do n't they allow students to pay on a monthly installment that they can afford? AES requires that you have at least a $ XXXX job so you can handle their payments. This does n't necessarily happen with students who just get out of college. And with the economy now, it will take a long time before they get to that level of salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter.

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 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ). 
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers. 
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''. 
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.

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 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: OH

Complaint narrative:
A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX

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 2016-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them.

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 2016-05-08 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: MA

Complaint narrative:
About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage. 
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.

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 2015-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: TN

Complaint narrative:
have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Vantage Sourcing, LLC
State: AZ

Complaint narrative:
I have a collection agency that has been harasses my family for me and they tell everyone that they are the cops and they are putting me in jail and telling everyone they are a collection agency and they call me and tell me that they are going to put me in jail if I do n't give them my place of employment. And to top it all off I believe this bill is over 7 years old! I need help cause they are calling me all day on my cell phone and I 've told them several times to stop calling my cell phone. I believe it is rent a center in XXXX. And I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: ME

Complaint narrative:
I graduated from the University of XXXX XXXX County in XX/XX/XXXX with a XXXX. I worked in my field for 6 years until I came down with a devastating XXXX in XX/XX/XXXX which leaves me unable to work and in the hospital several times a month with life threatening XXXX. I am receiving Social Security XXXX Insurance and XXXX through my former employer which is around {$20000.00} a year. My out of pocket medical expenses are between {$12000.00} and {$15000.00} a year leaving me with barely any money to survive on. I am also on a very expensive, strict diet which costs me over {$400.00} dollars a month as I am allergic to most foods. I have several private loans and most of them have either forgiven my loans all together or have applied all of the interest I have paid the last 9 years and have significantly lowered my principal and monthly payment to an affordable amount. American Education Services is the only lender who will not work with me. They are stating that I have no option for XXXX forgiveness and have informed me my decreased payment of just paying interest will be soon ending sending my monthly payment from {$170.00} a month to over {$400.00} dollars a month. I have used all but two months of my forbearance with this loan and I have asked for an account review to make an exception and significantly lower my payment due to the rarity and severity of my disease, but they will not work with me at all. I need help. I am just trying every day to continue to be able to afford my life saving medications and treatment and the stress from this is overwhelming. I have been paying on this loan for almost 9 years and have NEVER missed a payment and have used almost all of my allowed 12 month forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My home mortgage closing is pending. Wells Fargo has known about the closing date for over six weeks. I signed a XXXX twice for the loan consultant and loan doc specialist to obtain the tax transcript from the IRS. Our closing was set for XXXX/XXXX/16. On XXXX/XXXX/16, our loan consultant informed us that Wells Fargo failed to obtain the correct form from the IRS. She could not get approval to close the loan without it. She had no idea when she might receive the form from the IRS. We have already closed on the sale of our former home. and our living in temporary housing. We had to cancel the movers. We do not know when to reschedule the movers. We are paying penalties for the temporary housing as well as the cancellation fees. I had to reschedule utility hookups, but I do not know when a date to reschedule them. This is a horrible experience, and I will never recommend Wells Fargo to anyone. So far, this has cost my family an extra {$2000.00} to cover living, deposits, and cancellation fees. To make matters worse, she blamed it on the VA and the IRS. Both agencies told me that it is a Wells Fargo requirement to only accept the tax transcript directly from the IRS. It is clear that the loan consultant and loan doc person failed to review the file in a timely manner even though we submitted the correct form weeks ago. I suppose this is a customer service complaint instead of a legal issue, but I will also send it directly to Wells. I have several suggestions for better service from Wells. 
1. Review the document file several times. 
2. Notify the buyer well before closing that something is missing. 
3. Accept the tax transcript from the buyer. I downloaded it directly from the IRS website and received it in minutes. I could actually drive to their office and download it for them, but they will not even return my calls. I am not sure why they can not request it electronically. So, we are out of money and still have not closed on our house because of one form that I was able to obtain in minutes, but Wells can not seem to get in weeks.

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 2015-11-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a collection letter from XXXX in XXXX 2016 about a Bank of America account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Bank of America as they were not able to verify the account. I followed up with Bank of America and the agent was not able to confirm this account and provided a different account. However, Bank of America continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.

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