vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Texas Guaranteed
State: TX

Complaint narrative:
I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: VT

Complaint narrative:
My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 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: OR

Complaint narrative:
In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, 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 explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SUNTRUST BANK MADE A HARAD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO

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 2016-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity. 

Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done. 

It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship. 

Please advise what, if anything, can be done to resolve this issue. 

Thank you. 
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX

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 2015-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc.
State: FL

Complaint narrative:
Coast to Coast Financal Solutions has continue collaborating with the scam of XXXX XXXX XXXX XXXX XXXX certified letter were already sent. 

Coast to Coast Financal Solutions is well aware of the willful conduct of XXXX XXXX XXXX XXXX XXXX and reported fraudulent collection account to my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Financial Services
State: IL

Complaint narrative:
I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
Emoney Usa wont work with my credit counseling service. Continually calls me as soon as a payment is missed and begins to text my cell I had to set up a payment plan since they are unwilling to wait for the counseling service to kick in. They have sent me to collections as a charge off yet I am paying them monthly from my back acct. It is now on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian ARG Inc.
State: NY

Complaint narrative:
I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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: Coast to Coast Financial Solutions, Inc.
State: MI

Complaint narrative:
I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Consumer Financial Services
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I got notice of a new hard inquiry on my credit report. I checked & it was from XXXX XXXX in XXXX. I called them to inquire & the young lady told me over the phone ( after verifying my social & name & address ) that it was regarding the personal loan I took out in XXXX XXXX. I have not applied for any loans nor have I stepped foot in this place since XX/XX/XXXX, when I had a auto loan with them. Since XX/XX/XXXX everything has been closed. So I began to ask question & asked to speak to the manager. The manager XXXX reputedly hung up on me when I asked questions & said speak to my lawyer but would not give me his lawyers info. Now every time I call they hang up on me when I identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I contacted my finance company on XXXX XXXX, 2015 made a payment for my XXXX payment and asked if I could have my XXXX payment deferred due to financial hardship. I was advised by a representative to fax a letter in writing to the deferment department explanning why i am requesting a deferment. The represenattive advised that I fax it in ASAP because i was in the first half of my grace period. I faxed the deferment XX/XX/2015 to the deferment department and have a fax comfirmation the fax was successful. I called two days later like i was advised to be told my deferment had been received and being reviewed. Two days later I receive a call requesting for me to make a payment and I advised i had submitted a deferment. The representative stated no deferment was received and aggresively requested payment. I advised him I spoke with someone in the office two days prior and was told it was in the system. He asked me to hold came back on the line stated he did see the deferment apologized and disconnected. I had n't heard anything so i assumed the deferment had been approved until I received a call tuesday XXXX XXXX, 2015 demanding payment. I advised of the deferment and was stated once again deferment was not received and in order for them to process the deferment i needed to pay a {$150.00} fee to process the deferment. I was never told their was a fee to process the deferment and it defets the purpose of a deferment. I have not been treated fairly from this company and have had many problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Capital Accounts, LLC
State: KY

Complaint narrative:
Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation