vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Outsourcing Group, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: GA

Complaint narrative:
A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

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 2015-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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: WI

Complaint narrative:
I am the co-signer on the loan for my son. He is unable to take off work to submit a complaint. XXXX College in XXXX, WI is the name & location of the school. We took out this loan in XXXX and were not provided with the note disclosure statement which said that the total amount due by the end of the payment period was {$46000.00}. Had we seen that paperwork, we would n't have taken out the loan. Due to our lack of ability to make all of the payments on time, our {$12000.00} loan now has a balance of {$13000.00} as of XXXX/XXXX/XXXX. We contacted AES the servicer to determine how we could rectify this situation and were told to make {$73.00} payments. We began making {$75.00} payments XXXX XXXX of XXXX. We were unaware that the payments being made were only covering the interest. Our payments have increased to {$160.00} a month and have been consistent since XXXX of XXXX. We understand that our interest has accrued due lack of payment but since we were not made aware of the full amount we would be required to pay, we would like a concession on the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 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: NY

Complaint narrative:
Hi CFPB, my name is XXXX XXXX XXXX ss # XXXX I have Sub and Unsub Stafford student loans ( from XXXX school ) with loan servicer PHEA and I have been unable to pay them after 10 years, now at XXXX and growing daily. My complaint is after 15 years since I attended school the interest in dollars ( {$10000.00} per year approximately ) is growing at such a rate that I simply cant keep up, and I will be beyond bankrupt shortly. Moreover, I borrowed about XXXX and with Interest on this amount the Student Loans I have are now at XXXX! Why are students being treated as a profit center at 4 % per year on a loans for education ( to help me my family and our nation ), when banks at this time in 2016 are paying 1 % on deposts? My loan is 4 times more!! This is absurd and abusive to me/our citizens for the money the government is loaning me is my own money Ive paid in taxes. My ask is that my account with PHEA be audited for how it has doubled and will soon triple and my loan be returned to the original amount I actually borrowed and that all future interest be suspended so a. I am not being used for profit by my own government and b.so I have at least a chance financially to pay them off and save something for my future in this life. 

Thank you, XXXX XXXX XXXX Concerned USA citizen and complaintant NY XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am calling to get resolution in regards to a student loan taking out by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Ga XXXX. The account number is XXXX. The company is American Education Services XXXX. XXXX XXXX XXXX, Pa XXXX. This loan I believe has me listed as a co- borrower which I am not. Also Informed this company that me and XXXX XXXX are divorced and have been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quad Corporation, Inc.
State: IA

Complaint narrative:
A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.

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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!

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 2016-08-23 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: CO

Complaint narrative:
i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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 used to have multiple TEACH grants that I was able to retain as long as I annually provided the servicer with proof of my continued employment as a XXXX following my graduation from XXXX University. Without providing this paperwork as proof, my grants would convert to loans. XX/XX/XXXX, after a full year of teaching, I submitted the required paperwork via fax, as more contemporary methods like email were not an option provided by the servicer. I received an email confirmation that the fax had been received later that same day. 

Fast forward to XX/XX/XXXX. My husband noticed in my FedLoan account that we had a higher loan total than before. My grants had been converted to loans without any notification. I immediately called FedLoan to find out what had happened. They explained that XXXX page of my fax did not go through, and without that XXXX page they considered my grant renewal paperwork incomplete. 

I was not contacted by FedLoan by phone even once to explain that the fax had n't completely been received. A letter eventually came in the mail stating that my grants had been converted to loans, but no sincere warning was ever given. 

After combing through old emails, I eventually found one from FedLoan stating that I had a message in my account- the exact same message sent when you have a new account statement available. I rarely, if ever, checked my account statements right away, so naturally I did not sign in immediately to read the message that my fax had n't gone through. This email message was sent with absolutely no indication of any urgency, and was of course not followed up by FedLoan with any kind of phone call, follow-up email, or email to my backup email address listed in my account. 

No one from FedLoan ever made any sincere effort to notify me that the fax had n't fully gone through, and that as a result I would be incurring an additional {$10000.00} of student loan debt. It is my belief that without actual notice of a problem, there can be no lawful conversion of her grant to a loan. I have fought this for nearly a year since, and FedLoan refuses to reverse the decision and convert the loans back to grants. It 's almost like FedLoan went out of their way to avoid notifying me of the mistake in an effort to turn a liability into added revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: MO

Complaint narrative:
For the record midland /Midfirst bank states that I paid {$15000.00} They also claimed to be servicing a {$33000.00} XXXX VA loan on XXXX XXXX XXXX. 
All of the 360 payments of principal interest were paid. Taxes were disbursed through XX/XX/XXXX and insurance through XX/XX/XXXX. The loan was paid off XX/XX/XXXX with a final payment of {$3400.00} with {$1600.00} escrow that was not returned to me. I want it known that approximately {$130000.00} was paid to this mortgage. It was never refinanced. I never had a second mortgage on this property. There was no security interest in any other property.

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 2015-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I received a letter from Quicken Loans requesting to refinance our home. In the information they stated exactly what I owed on our house. My complaint is they had to breach my privacy by at some point by searching my files to get this information. I contacted Quicken Loans and the first phone call I made to them they were uncerned about my problem. About a hour later a lady called from Quicken and apologized for the problem. I told her it was not about an apology it was about breaking the law by breaching my privacy. Then a little some man called stating he was from the executive branch of Quicken Loans and wanted to know what it would take to solve my problem. I told him I had some people working on the problem and they were to advise me in a few days. At this time the conversation ended. I believe Quicken Loans violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.

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 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Called business cell phone, asked to be removed from list did not do so. Continued calls to business cell phone. 
Debt that is trying to be collected is debt that has been sold to XXXX or XXXX seperate collection agencys all of wich are trying to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
The lender processed unauthorized withdraws when loan was satisfied.They said they were crediting back. Then said they are sending a check. I believe they also pulled another credit inquiry when they said I was " late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}

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 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ashwood Financial Inc
State: FL

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company response to consumer: Closed with explanation