vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Synergetic Communication Inc
State: MD

Complaint narrative:
First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through 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 2016-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.

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 2016-03-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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: FL

Complaint narrative:
After graduating in 2015, I began work as a low paying XXXX. I spoke with three different people at Sallie Mae, telling them I was in serious financial difficulty and needed time to gather a prudent reserve to again begin paying them. I told them I fully intend to pay my debt, but needed time to gather enough money to not be so XXXX about making daily fixed expenditure payments. Since that time, they have called repeatedly including calling my sister who has an XXXX and harassing her also. There is absolutely nothing I can do at this time to resolve this and the XXXX pressure is incredible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
Lost condo to foreclosure due to Suntrust failure to properly and timely process modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 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: NY

Complaint narrative:
A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: WI

Complaint narrative:
over charging interest. will not send complete history of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc. 
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed. 
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies. 
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value?? 
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account. 
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me. 
Thanks Regards XXXX XXXX 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 monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: PA

Complaint narrative:
My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.

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