vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 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: MA

Complaint narrative:
When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: ME

Complaint narrative:
I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This is a new complaint specifically on XXXX XXXX. 
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.

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 2016-03-22 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: NC

Complaint narrative:
In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: MI

Complaint narrative:
I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AES/PHEAA
State: NY

Complaint narrative:
I was sent a summons from the law office. I answered the summons XXXX/XXXX/2014 with the county clerks office in my area. the law office stated I never answered the summons and had a judgement won against me.I had the judgement appealed because I did answer the judgement. 

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: MA

Complaint narrative:
Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: NJ

Complaint narrative:
I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wellmont Health System
State: TN

Complaint narrative:
I recieved a letter stating the were going to file a civil law suit. That this was the last letter ( which is the only letter ) I have received. The said the debt came from the CREDITORS. That is it. I do not have a clue who the CREDITORS are. I do not want to get sued, but I do usually give someone XXXX and not know why. Can you tell me what I can do? MCOT XXXX, Tennessee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.

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 2016-03-11 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: MD

Complaint narrative:
There are XXXX student loans and pell grants that someone opened in my name from XXXX XXXX College. I was a victim of identity theft i submitted id affidavit.I never attended XXXX college

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!!

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 2016-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: TN

Complaint narrative:
I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law. 
I would like to have the foreclosures removed from my credit report.

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