vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP
State: OH

Complaint narrative:
I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line. 
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.

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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.

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 2016-01-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA
State: FL

Complaint narrative:
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I cant get my credit report

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 2016-05-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I opened a credit card with Suntrust Bank. We agreed on a {$2900.00} transfer to my old credit card to clear that balance. However, they made the transfer twice. They did agree to credit me the second {$87.00} transfer fee but will not credit my account for the extra {$2900.00}. They said they ca n't retrieve it so I am responsible for the balance. They suggest I track down and try and retrieve this money and pay the bill.

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 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank. 

2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability. 

3. A SunTrust manager at that location certified that funds were available in the new customer 's account. 

4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account. 

5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account. 

6. The teller advised me that the funds from the previous day were clear and available. 

7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer. 

8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}. 

9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check. 

11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed. 

12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft. 

13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account. 

14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before. 

15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made. 

16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing. 

17. No further assistance has been given. 

18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information. 

Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.

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 2015-12-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA
State: PA

Complaint narrative:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX XXXX Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC
State: TX

Complaint narrative:
Disputed debt, failed to respond to Dispute Notice, continues collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 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: GA

Complaint narrative:
I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: KS

Complaint narrative:
Mortgage paid off in good terms when sold. Is marked as " closed - Derogatory

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 2015-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA

Complaint narrative:
XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?

Company response to consumer: Closed
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.

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