vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MI

Complaint narrative:
I had an account with Suntrust Bank in 2012. The account sat still for several years after I called to close the account and was confirmed by a telephone representative and accumulated fees that I was never informed of. I received a XXXX overview and Suntrust Bank has had all of my recent addresses on file to which they could have notified me. Instead I now " owe '' over {$400.00} because of this scamming. I am having difficulty opening new bank accounts due to this issue. It would be lovely if Suntrust would work with me and if this was all just a lack of communication on both parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not

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 2016-03-08 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: WV

Complaint narrative:
There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was AES and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX AES/NCT was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by Nation Collegiate Student Trust XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. AES claims they have nothing to do with these accounts since they wrote them off XX/XX/XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. AES has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the NCT loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent AES letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the AES/Charter ( citizens ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to AES they absolutely refuse to report these accounts as settled in full. AES says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the AES/NCT. As i said AES did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and AES and the credit agencies refuse to correct this. Your our last resort. thank you

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 — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
A SunTrust credit card was opened in my business name. I do not have records of me opening the card, I have never used the card, I did n't even know I had the card. SunTrust shut my card down ( I moved and did not receive the statements ) and reported it, now they are saying I owe almost {$300.00} and they have reported it and now my score is affected. I started calling in XX/XX/XXXX after I moved to try and cancel my account, that was when I was informed that there was an overdraft that I would have to pay to close the account - which I did. Then all of a sudden I receive this bill for almost {$300.00} and they said they have reported me and have tried calling - I live on the XXXX XXXX now, I never had any messages from SunTrust. The missed calls I had were all either when I was sleeping and working - and again, they never left a message. They have lost records of me calling and trying to fix this - since XX/XX/XXXX - and the last conversation I had - this morning starting at XXXX am and spanning multiple calls, including XXXX for over an hour and a half - resulted in NOTHING happening. They have not helped me resolve this in any way. I should not be paying for a card I had no knowledge of and never used - in money or on my credit score. Their customer service has been horrendous in handling this, with their reps arguing with me and withholding information. I did n't even know the credit card existed until XXXX this morning when FINALLY someone at a branch in FL told me. This has been a complete nightmare.

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 2017-02-28 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: NY

Complaint narrative:
In XX/XX/XXXX I was notified that servicing was being transferred from XXXX to FedLoan, but not to worry because everything would be transferred including auto debit. After not hearing anything further, I contacted FedLoan to make arrangements for my XX/XX/XXXX payment, and expressed multiple times that I did not want to be placed into a forbearance while able to pay under the IBR plan that I have had since XX/XX/XXXX. Auto debit was not set up yet and I was given the opportunity to make a XX/XX/XXXX payment, but it was not the full amount ( the other group was still in administrative forbearance ). I was assured that my request to remove the forbearance and set up auto debit would be processed. I also asked to be allowed to make the other XX/XX/XXXX payment, and was told my request would be submitted to Treasury. I received notice for XX/XX/XXXX that only the one group was set up for auto debit, so I manually drafted the other payment. Then I received notice that I was delinquent. I called to clarify, was told not to worry because it was for the XX/XX/XXXX payment that I was requesting permission to pay, and it would show late but nothing would happen, and in the meantime Treasury would contact me. Today I received notice that my request for a " delinquency forbearance '' was approved. At this point I feel like we are going backwards. I would like help to achieve this outcome : Both groups/all loans in Repayment under my IBR plan ; Both groups/all loans set up in Auto Debit ; Process request w/ Treasury to pay the XX/XX/XXXX payment ; and Do not penalize me for delinquency or late payment for XX/XX/XXXX, as I have been extremely clear - by email and by phone - that I was requesting the forbearance to be removed for the purpose of making the payment. Thank you for your assistance with getting the servicing of my loans back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance

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 non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-26 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: FL

Complaint narrative:
I had some private student loan with XXXX and then XXXX transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of XXXX kids and myself and still pay over XXXX a month. I have even asked if i can do something to lower my payment, like how i am XXXX and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my XXXX children inorder for me to be able to pay my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Karma, LLC
State: WI

Complaint narrative:
I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.

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 2016-05-18 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: CA

Complaint narrative:
I applied to switch from one income-based repayment plan to another ( IBR to REPAYE ). I applied to switch to REPAYE as soon as it was made available in XXXX XXXX. My application was not processed for months. It took 6 months for my application to be approved. FedLoan Servicing said there was a backlog because many other customers applied for the new REPAYE program. However, the representatives noted that my wait time for processing was excessive. I have been in Administrative Forbearance during this time, while my interest is accruing on my loans. I have had to make over 20 phone calls to FedLoan Servicing from XXXX XXXX to XXXX XXXX to get switched over to the new REPAYE repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: WA

Complaint narrative:
Per advice with a consumer credit counseling agency, on XXXX XXXX, XXXX I filed for the consolidation of my federal student loans as well as for XXXX. In XXXX XXXX, I was notified that my monthly payments would be {$30.00}, which was higher than the {$0.00} figure my counselor had estimated, but still found that managable. When I signed into my account on XXXX XXXX, XXXX, I saw that my monthly amount was now listed as {$270.00} and some odd amount of change. I called FedLoan 's XXXX number, and I was told that the {$30.00} figure was prior to my loans being consolidated and that I would have to re-apply for REPAYE. By how the information read on FedLoan 's webpage, they would consolidate first, then apply the income-based repayment plan afterwards. After submitting my re-application and some processing, I got notice on XXXX XXXX, XXXX that my monthly payments would be {$100.00}. While I have experienced a {$1.00} per hour pay raise at the start of the year, my counselor has commented that the amount that has been re-estimated should not be nearly that much. Needless to say, I am not very happy with FedLoan and both my counselor and I will be talking to them very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.

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 2015-11-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
i paid XXXX for services i did not receive.i was repeatedly promised i would get a website that would be very profitable.i know this business never planned to provide the products or services promised me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.

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