vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.

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 2016-06-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
I have been receiving harassing, threatening and XXXX threats telephone calls from Student Loan Finance Corporation in regards to a student loan account and debt of {$3200.00} and {$4900.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma, LLC
State: CA

Complaint narrative:
This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is 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 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had elected for no overdraft coverage and the bank is still paying for things.

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 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Vantage Sourcing, LLC
State: NC

Complaint narrative:
XXXX is a greedy company to be frank. They have been harassing me by phone about a wireless internet service that I have not used in months ... very little or if any in the entire year of XX/XX/2016. I have had to file not XXXX, not XXXX, but XXXX complaints against them within the last several weeks with the FCC. I recently paid my last bill of {$65.00} for a service that I have not used in many months and cancelled the service. No one did not mention that I had anymore money to pay. Now, all of the sudden last week, I get a bill in the mail from a debt collection company called Vantage Sourcing XXXX for {$81.00} for a service that is cancelled and for a service that I have not used in many months. XXXX have sent me bills directly for years, but now all of a sudden, they send my bill to a debt collector. The only reason XXXX sent my extra bill to a debt collector is because I complained to the FCC 2 times about their harassing phone calls ... that 's the only reason! I 'm being made to pay an extra bill because XXXX is doing it out of spite, retribution, and revenge because I contacted the U.S. Government about them. After I cancelled my service, I received a statement saying my monthly fee is {$0.00}. But if I do n't owe anything, why am I being charged then??? XXXX is trying to make life hard on me, that 's why. I would like for the FCC, FTC, and the Department of Justice to investigate XXXX for their business practices ... something is not right here. The ceo of XXXX needs to be held accountable for the actions of this company period!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: WA

Complaint narrative:
After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 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: FL

Complaint narrative:
Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: FL

Complaint narrative:
I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: MO

Complaint narrative:
I had a loan with AES and recently refinanced my student loan with another provider. My new lender sent AES money to pay off my loan with them, however the amount AES received was more than the amount required to pay off my loan. My new lender says they sent AES a check for {$12000.00}, but AES only applied {$12000.00} to my loan to pay it off. The {$160.00} difference between those amounts has disappeared and I 've sent many emails to AES but received no response from them at all other than confirmation emails that show they have received my complaint. I believe that AES was overpaid by my new lender and they are refusing to acknowledge me and return the extra money they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: AZ

Complaint narrative:
Federal Loan Servicing reported a 90 day late to the credit reporting agencies in XXXX of 2016. I deferred my student loans while I went through consolidation and an income driven payment plan application. I thought that ALL of my loans were deferred while I went through this process. In XXXX 2016, I contacted XXXX, who I thought was the name for the federal government 's organization that handled ALL student loans, to defer my loans while I went through the process of consolidation and applying for an income driven payment plan. 
When I started receiving delinquent notices, having no idea that different organizations carried my student loans, I called XXXX to learn what was going on. XXXX assured me my loans were still deferred and the process was going on as expected. I did not know that there was another organization that I had to talk with to have the payments deferred on these loans. I thought I was doing everything right and was horrified when I learned that my credit was destroyed from the confusing way student loans are handled. 
The process is now complete and I am paying as agreed to Federal Loan Servicing, they have the entire consolidated loans currently. 
I have contacted FedLoan Servicing and have sent them their disputed credit form twice and have been categorically denied ... I do n't believe they have even read my letter. 
Please help me in convincing this company to reverse their negative reporting. Loan # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
XXXX is harassing me to pay a debt that happened in 2006.

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 2016-11-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MNE Services, Inc
State: PA

Complaint narrative:
I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They did not give me a lower payment options, kept forcing forbearance on me ( They make you pay a fee for forbearance ). My loan has doubled in price and has reached {$150000.00}. I can not afford the payments on this loan, but know one wants to help. I keep making payments but the balance never goes down. They also told me after you pay XXXX consecutive payments that you can remove a co-signer. I made 12 consecutive payments and was told that because it was a " discounted '' payment. All of the sudden it was " it has to be full payments w/out a discount '' I ca n't afford to fill my cavities, go to the doctor, buy a car, get a business loan. I live buried under credit card debt because the payments are ridiculously high. My XXXX and XXXX are at a constant high considering that they call me 8 times a day.

Company response to consumer: Closed with explanation