vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.

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: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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: MD

Complaint narrative:
When REPAYE was made available in XXXX 2015, I submitted my application to switch from the XXXX repayment plan to the REPAYE repayment plan. Since XXXX of last year, I have spoken with my student loan provider ( FedLoan ) several times to get enrolled. Each time I have called their customer service has assured me that I would be enrolled in the next month or XXXX, but now it is XXXX -- nearly XXXX months since I submitted my application -- and FedLoan still has not enrolled me in REPAYE. Earlier this month, FedLoan direct debited a much larger " accelerated '' payment ( as they called it ) even though my REPAYE application was being processed and I specifically called them to alert them to the scheduled direct debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: ME

Complaint narrative:
I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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: FL

Complaint narrative:
XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CO

Complaint narrative:
XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA
State: IL

Complaint narrative:
I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Please see attached Word document for all complaints against SunTrust Mortgage Co . 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to that.

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 2015-12-04 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: SC

Complaint narrative:
Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: PR

Complaint narrative:
I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been in communication with american education services to try to get my payment reduced. Account XXXX for XXXX XXXX. This loan is now in danger of defaulting. The last few conversations I have had with representatives have told me I am eligible for forebearance on my higher loan that is XXXX but when I apply I am denied. I have also been given false minimum payment information repeatedly so that my payment amounts that I have been making are not sufficient. 

I would like to be granted a forebearance and be able to get caught up on this loan so I can go into repayment as soon as possible with a reasonable payment amount. 

The last representative I spoke with yesterday, XXXX XXXX, 2015 validated the issues I am having and has offered to investigate further. His ID is XXXX and his name is XXXX. He says I was given the wrong/incorrect amounts needed to pay to qualify for other plans. Wrong amounts and dates. 

Again.. I would like to get the outstanding payment/current due of {$1100.00} to be reset or in forebearane and the interest rate lowered so that I can make a reasonable payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Performant Financial Corporation
State: NV

Complaint narrative:
they said they will garnish my paycheck

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 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2016, I realized that my ATM card was used without my authorization. 
I contacted SunTrust Bank to report the problem. 
I received immediate credit, there after a week later the credit was reversed out of my account, where the SunTrust Representative stated that the charges were in fact valid. 
I sent rebuttal statement to continue to have the matter resolved with no success. 
I filed a police report to hold the responsible party who used my card without authorization accountable. 

The lead investigator for SunTrust Bank is stating that I was the primary user and that the claim has been denied and closed.

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 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC
State: TN

Complaint narrative:
Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
In XXXX of 2015 we received a HAMP modification for the XXXX XXXX damage to our property. This lowered the mortgage interest rate down to 2 %. The stress from the disaster eroded our marriage and we filed for divorce in early 2015 which caused us to miss payments. Our loan was transferred to Fay Servicing from XXXX XXXX who is a predatory lender. They said sign the loan modification docs or they will foreclose, they raised the interest rate from 2 % to 5.75 % in an attempt to make us abandon the property and sell it themselves. We are currently making trial payments at the higher interest rate but can not sustain them for much longer, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
I had spoken to a loan officer, XXXX XXXX at Summit Funding here in California and he had acquired our information and gave us a estimate. After we left we had decided to go with this company as, he was a great talker and seemed to be very knowledgeable. Much to our dismay all the information he gave us was a lie. I was told that I was " A '' paper and would need much as he was going to do down payment assistance and I may need {$2500.00} for down payment and/or to look stronger on paper or perhaps even to pay down debt. This could n't be farther from the truth. I was told to pay in over double that and he said that he paid in almost {$2000.00} and absorbed my seller credit as well for {$850.00} Giving me an amount of {$7400.00} used in total from the credits to the cash paid in. Which is a far cry from the quoted possible {$2500.00} needed to look stronger on paper. 

The primary issue that I had was that I was promised that I was to be locked into a 3.85 % loan and the loan officer failed to the lock the rate and let it go up to 4.385 % before it was locked in. Costing me an additional .5 % on the loan. When I asked about this I was lied to and was told that you do n't lock the rate nor could he. Furthermore, the loan origination fee was supposed to cover the loan and then I was charged for XXXX additional processing fees and XXXX additional Admin. fee. I then asked about those and was ignored and was told that he had no time to explain the extra charges but, that these had been disclosed this previously and he in fact did not. 
Following this the charges changed again and then I was also being charged points on the loan which had never been there but, now all the sudden were on the final disclosure. 

These 's are jut a few of what would appear to be major issues, on top of the fact that XXXX would only read my emails and not provide any guidance nor return my emails as he knew I wanted his demands in writing because of ever evolving asks that was going on. Due to this lack of guidance and attention to my file Summit Funding XXXX XXXX XXXX pushed out my close date 3 times and almost lost the sellers as well. When I asked for status and a definitive close date. The close date was avoided and the lies continued to pile up. I asked him several times to assist and all I would get back is less than becoming conduct and attitude as well as talking down to me like I was n't worth his time. His secretary did all the work and I had to help her do her job as well. Numerous times I was asked to submit the same documents as " they had said that they did n't have them '' and was lied to about the hold ups several times. I was able to acquire the information from XXXX as to what was needed and I advised them to address these failures to upload the proper documents in order to get this processed. Even then they attempted to make it seem like it was n't their fault but, it truly was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: MN

Complaint narrative:
I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day.

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 2015-05-08 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Debt collectors are calling my phone numbers for someone else 's debts.

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 2016-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Health Investment Company, LLC.
State: PA

Complaint narrative:
I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it

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