vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 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:
I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
My federal student loans are held by FedLoanServicing ( FLS ). Until recently they were on an in-school deferment. In XXXX I received notice that they were now in repayment ( this was for XXXX of my XXXX loans ; a notice for the other XXXX was not provided until XXXX ). However, I was not given any notice that the accrued interest would capitalize or an opportunity to repay it before that occurred -- instead the statements simply showed the principal as having increased. I emailed FLS on XXXX XXXX about this and did not receive any response. This morning, XXXX XXXX, I contacted them by phone to follow up. I spoke to four different representatives and learned the following. FLS received notice from the national student loan clearinghouse on XXXX XXXX, 2016 that my enrollment at XXXX XXXX ended in XXXX. On that date they immediately, retroactively granted a " late student loan notification forbearance '' back to XXXX, ended that forbearance as of that same day ( XXXX XXXX ), put me into repayment, and immediately capitalized all the accrued interest as of that day ( XXXX XXXX ). This all occurred without any notice to me of the accrued interest and without giving me any opportunity to repay it before capitalization. The last customer service representative with whom I spoke, a supervisor, agree with me that this process was not correct. But he said he had no power to change it, and that I would have to wait while a " review '' went through the system, which would take 7-10 business days. Unfortunately, I have no confidence that this review will occur, that I will get notice of its outcome if it does occur, or that it will remedy the situation -- given that FLS has failed to notify me of critical student loan information in the past, that I received no response from my email, and that I was initially left on hold for 25 minutes by the first representative I spoke with today ( apparently hoping that I would hang up ). I am happy to supply the ID numbers of each person I spoke with at FLS if this is useful to the inquiry. Many thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: SC

Complaint narrative:
This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: TX

Complaint narrative:
My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: PA

Complaint narrative:
I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.

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 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: CT

Complaint narrative:
I have refinanced through navies and they have been very difficult to deal with in regards to payment options and affordability

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: TX

Complaint narrative:
I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: ID

Complaint narrative:
FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: OR

Complaint narrative:
My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
, On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.

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 2016-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Predatory lending Practices : AES told me to make XXXX consecutive on-time payments - made under false pretense This month XX/XX/XXXX, I am to make my final payment to AES for a private student loan. However, regarding my federal loans, AES was dishonest in its practice where a negligent AES representative lied to me about the loan term, making this unfair lending practices. 

What happened? I have worked for the government for close to XXXX years. XX/XX/XXXX, I called AES and requested to get on the " public service loan forgiveness '' program. The AES rep told me to sign some documents ( IBR ), get them back to AES- and then all I need to do is make 120 on-time payments to AES and that 's it. The woman even told me, " not to worry about providing proof of employment stating " you can do that at any time ''. So, I put all my efforts to make sure that loan was a priority in addition to my other private loan with AES. Twice I was ensured I was on the public service loan forgiveness. Lots of penny pinching. 

After XXXX consecutive on-time payments to AES, I called and asked for a 1 month forbearance, asking if this would interfere with my 10 year consecutive on-time payment requirement. I was told - I had been paying on the wrong loan repayment program, that AES DOES NOT EVEN OFFER the PSLF. I have to start over at payment ONE by transferring these loans out of AES and into the hands of another company : Fed Loan. Do you have any idea what this feels like - the absolute agony of starting over at month one, especially as I am approaching retirement? I am beyond mad. 

I filed a case with the ombudsman, but AES denied all wrong. I am asking that someone help to find a way to make this right. I need assurance that those XXXX lost months do not interfere with my life- I am very concerned about this now.

Company response to consumer: Closed with explanation