vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 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:
Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.

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 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Enterprise Systems, Inc.
State: DC

Complaint narrative:
National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: UT

Complaint narrative:
National Collegiate and trust has been on my Credit report for years now, and I have disputed them several times. They sent me and my mom letters in the mail stating we must pay right away. We sent letters for each one asking to prove this debt, and show us promissary notes. They have not shown/ mailed/ emailed/ called about this. They are still reporting on my credit. Now it 's saying the company is XXXX XXXX XXXX. It says the open date is on XXXX 2010 I do not remember ever taking this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 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: NY

Complaint narrative:
This is a complaint I submitted about a year ago but I no longer see it listed here. Federal loans that were taken out in XX/XX/XXXX and XX/XX/XXXX were consolidated under the new student loan programs started by President Obama. FedLoan student loan servicing has incorrect information about these loans and it is negatively effecting my ability to apply for lower month repayment plans. These consolidated loans show up as having been borrowed, gone into repayment, had the first bill due and defaulted all on the same date in XX/XX/XXXX. I was not a student in XX/XX/XXXX so no loans were borrowed in XX/XX/XXXX. A loan would not go into repayment on the same date that the first bill was due. Loans do not go into default until 290 days after no payment has been received from the first due date. So none of this adds up. I have tried numerous times to use logic when working with someone at FedLoan over the phone. I have not accused an individual of doing anything wrong, clearly this is a computer error, all I 'm asking is that someone agree that it does look fishy and then look into what may have happened. As of right now, because of the status of those consolidated loans, my monthly payment is XXXX times more than what I make in a month. I clearly can not make those payments. I need some assistance getting FedLoan to review those loans and see that they are miss-marked. I have worked with CFPB on some other loans that XXXX temporary lost and the outcome was good. Though, when those loans were transferred into the hands of FedLoan servicing, the person on the phone said that there was no such agency as the CFPB and that there is nothing called the OMBUDSMAN group. I pointed out that both these entities existed and that they were government agencies which is why they have .gov URLs, to which the person replied that anyone can get a .gov address. Clearly we are not working with the best and the brightest here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX. 
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX. 
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain. 
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?

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 2015-10-06 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: CA

Complaint narrative:
I need specific information on how to get my loans discharged due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: TN

Complaint narrative:
In XXXX of XXXX, I spoke to an employee of FedLoan to try and get a better repayment plan. They offered to have me apply for an Income Contingent Plan, and I accepted. I was accepted for the plan, but the employee told me that a requirement of the plan was to sign up for ACH Payment ( automatic withdrawl from my bank account ). She transferred me to another person, who signed me up for this service. I did n't learn until months later that I had n't signed up for ACH through FedLoan, but with a third party called the XXXX. Even learning this, I did n't know that it was n't a requirement of the plan, and that the employee had lied to me. This ACH withdrawl came with a service fee, that I learned was actually just paying XXXX for their services. Again, at the time I was under the impression that this was a requirement for the Income Contingent Plan. Today, the first of XX/XX/XXXX, I called to make adjustments to my payment plan with FedLoan, and the employee today informed me that I never should have been required to sign up for a third party, or for ACH through that Income Contingent Plan. Over the last three years, I wasted over {$1000.00} paying this third party for services that I was not actually required to have. All because FedLoan 's employee in XXXX of XXXX told me it was required to sign up. I did n't know until today that I am not required for any reason to sign up with a third party or be charged service fees when paying back a federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: WA

Complaint narrative:
American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In reviewing my most recent Capitalone statement it came to my attention that, though the beginning balance on my statement was {$5000.00} and I made payments during the statement period totalling {$4400.00} leaving a remaining balance of {$630.00}, I was charged over {$100.00} in interest for that period. I saw on the statement that the amount that was used to calculate the interest was {$5400.00}, which made no sense to me. 
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months, have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh, she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards, not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience, I believe it 's a good idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: NJ

Complaint narrative:
FedLoan is failing to follow the FCRA section 623 ( a ) ( 2 ) ( a ) and 623 ( a ) ( 2 ) ( b ) in reporting the status of my student loan to the credit bureaus. I have disputed this with all credit bureaus numerous times, as well as FedLoan, the Ombudsman 's Office and the XXXX XXXX XXXX XXXX XXXX and have gotten nowhere. They have all closed my disputes and failed to comply. 

My FedLoan account was granted a General Forbearance for the following time periods : XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX However during these periods of time, my account has multiple late payments reported on my credit reports. These range from 30-day lates to 120-day lates. FedLoan is claiming that since some of the forbearance statuses were granted retroactively to cover time periods that were 'Past Due ', that this exempts them from updating my credit file with the forbearance information and in turn " exempts them '' from removing the late payments on my credit report in exchange for the updated forbearance status '. 

However, the FCRA explicitly states any furnisher must take all steps necessary to ensure accurate reporting, and according to section 623 ( a ) ( 2 ) ( a ) ( b ), furnishers must also " correct and update '' information that has previously been reported but has since changed. In this instance, my FedLoan account that was granted forbearance statuses must also be updated to reflect this change. 

FedLoan is citing FCRA 623 as its excuse for not updating the information. However, they are also in direct violation of it. There is no clause in the FCRA that excludes Forbearance statuses from the 623 ( a ) ( 2 ) ( b ) rule. It, like any other piece of information that changes, must be corrected, updated and reflected on credit reports as per the FCRA 's explicit writing. 

Please assist as every one of my disputes has been denied or ignored. My only next step is to sue for damages and corrections to my credit report, which I 'd rather avoid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: NJ

Complaint narrative:
I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.

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 2016-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 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:
In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.

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 2016-04-19 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me. 
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.

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 2017-01-30 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: NM

Complaint narrative:
My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.

Company response to consumer: Closed with non-monetary relief