vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.

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 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records.

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 2016-09-01 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: CO

Complaint narrative:
American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
My daughter has a Sallie Mae federal loan. She is two weeks late in making her payment for XXXX. I have talk to a rep at Sallie Mae explaining why XXXX is late and told them I would let her know that she has two more days until her loan goes into collections. I have communicated this information to my daughter. We are both still getting two to three robo calls per day since the conversation with the Sallie mae Rep. I 'm even getting them at my work number. This is bordering on harassment. When you have been in communication with them why do they need to continue to call excessively?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft.

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 2017-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute

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 2017-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: AL

Complaint narrative:
In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Bank charged me overdraft fees despite the fact that the account was not overdrawn.

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 2016-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.

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 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: IL

Complaint narrative:
I had been paying the private loan on the website. When payments became difficult I contacted AES to request a deferment or forbearance or altetnate payment options and they denied my request. I was unable to pay for several months do to health issues and unemployment. When I was able to resume payments I went to the website to try to set those up again only to learn that the debt had been sold. AES was unable to provide information to locate the current creditor at the time. I recently began to receive phone calls from a collector who would not provide information about the account in order for me to establish the legitimacy of their claim. I spoke with a representative on Friday XX/XX/2017 who offered unrealistic payment terms I again requested alternate repayment options but he refused and stated that collection activity will continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.

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 2017-03-06 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: NY

Complaint narrative:
The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: TX

Complaint narrative:
Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: TN

Complaint narrative:
Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation