vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: RI

Complaint narrative:
I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )

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 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}. 
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Texas Guaranteed
State: MA

Complaint narrative:
Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: GA

Complaint narrative:
The address XXXX that has been reported is not mine

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 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: UT

Complaint narrative:
My wife and I took out a loan with CNAC finance XX/XX/2016. The payment is due twice a month ; the XXXX and the XXXX. We bank in another state and my wife employer does not offer direct deposit. The bank takes two business days to process a mobile deposit, which is the way my wife deposits her her check. Thus her payment might be a few days late. We explained this to the dealership when we got the car. They said this would not be a problem. 

Now the CNAC is calling us two or three times a day on the due date harassing us about the payment. I went in to have the oil changed at XXXX Byrider on the day the payment was due and the manager came out to the shop and began to question me about my payment in front of everyone in the shop. This was not only embarrassing, but also humiliating. I could understand if the payment was late, however that was not the case. 

Now to top it all off, they have called me and my wife a total of 5 times today to remind us that the payment is due. This has gone past harassment. I called them and asked them to cease and desist and if they need to contact me to contact me by mail only, and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CA

Complaint narrative:
When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.

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 2016-06-29 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: CA

Complaint narrative:
I applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: OK

Complaint narrative:
Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: OR

Complaint narrative:
My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: TX

Complaint narrative:
The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: NY

Complaint narrative:
Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please 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 2015-10-30 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: OR

Complaint narrative:
I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: AR

Complaint narrative:
HeyI would like to know who I can file a complaint with about American education services, AES. I got a private student loan with XXXX in XX/XX/XXXX, they sold it at the end of last year to a company I can not not locate any information on. I have paid off XXXX loan and have been paying on another through them. I called last month and asked if I could have a smaller payment since I had some extra things come up. There rep said I was paid up until XX/XX/XXXX and I could just pay an interest payment with no issue, so I did. Then I started getting emails and phone calls about my delinquent account. I called and was told the XXXX person I spoke with was completely incorrect and that they would put it on my credit in 60 days if not caught up. I have been trying to get extra work and sell things to do that. They could do nothing else to help me but would file a complain on my behalf. I got another letter stating they were going to report it to my credit in 30 days if not paid. I called because now a manager has lied to me as well as a rep. I was told today that it was basically my fault for listening to their rep and that their is nothing they will do to help keep the delinquency off my credit. I would like to know what I can do, that is so wrong and I wont get any extra money until after the 30 day mark. I want them investigated too, maybe they are just as corrupt as XXXX student loans. But they are out of PA not AR .... can you give me any assistance on who or what I can do!! 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: PA

Complaint narrative:
I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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} 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