vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.

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 2017-03-15 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: MD

Complaint narrative:
Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: AZ

Complaint narrative:
XXXX has prevented me from accessing my account and making an interest-payment for the year 2016. I 've contacted them over-the-phone and they are in disarray, do n't know how to calculate the interest and do n't know what is wrong with their website. After speaking with a representative, she attempted to calculate the interest payments by-hand, but I am not confident as the numbers I received are inconsistent for the given timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 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: VA

Complaint narrative:
This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I am have been charged with an owed amount on my credit report from a medical office, but my health insurance had paid this balance. I should not have this balance or report on my credit report. They say it would clear in 7 years, but it should not be there at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: M.L. Zager P.C.
State: SC

Complaint narrative:
Collector sent a letter to my place of employment claiming it was a subpoena asking my job to furnish private information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide has not been able to accurately compute what they claim is owed. XXXX XXXX from that company claims it is my responsibility to compute the bill. They provided an XXXX totaling XXXX as validation of a debt, they claim I owe XXXX. They have XXXX information on insurance payments, credits or co-pays. How do I even know I owe them XXXX penny?? Bills must be precise, clear and explained. This validation does not meet any legal standard..or any normal standard.This company also terminated my phone call because they said I just did not want to pay. As for that, I think my calling them XXXX is an effort to resolve this issue. Bottom line, if you want to collect a debt, you MUST be able to clearly show any computations of that debt owed. They could not even explain how they reached this figure..they just refused! Please see the attached documents which clearly show the amount demanded and the so-called verification of that debt. Additionally, if the debt is mine or not is not relevant, it is the amounts billed which are inaccurate and unverifiable, therefore making this debt noncollectable at this time. Merchants Credit Guide must either verify proper computations or delete and close this file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO

Complaint narrative:
My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott, Parnell & Associates XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a credit card with Bloomindales and purchased a dress. I missed the first month 's payment so was charged a late fee and interest. This payment was due on XXXX XXXX, 2015. I paid it in full on XXXX XXXX, 2015 yet Bloomingdales has supposedly been trying to collect {$12.00} from me for 6 months and filed a charge-off on on my credit report. I have received no bills, no calls from creditors, and should n't even have a balance outstanding.

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 2015-03-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Link Revenue Resources, LLC
State: KY

Complaint narrative:
I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Since XXXX I have made more than the payment amount, but it has not been added to the outstanding principal as requested. Instead the mortgage companies push back the payment date which allows the outstanding balance to accrue interest. Which keeps my balance high.

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 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Enerson Law, LLC.
State: NE

Complaint narrative:
Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.

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 2016-02-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Paramount Capital Group, Inc.
State: AZ

Complaint narrative:
collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation