vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERICAN ADVISORS GROUP
State: PA

Complaint narrative:
RE : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Vandalism, Theft, Damage, Fraud on behalf of property preservation company, servicer and or lender. 

To whom it may concern, This letter involves damage, theft of personal property and possible fraud caused by the property preservation company XXXX XXXX XXXX XXXX XXXX, Their employees, contractors, and or subcontractors. 

On or about XX/XX/XXXX XX/XX/XXXX secured and winterized this property at the request of the servicer and/or lender due to taxes that were not paid by the borrower. During this time frame the property was vandalized, Items were taken form the home, and the improper winterization of the property caused major water damage within the home. 

The property preservation company replaced a roof on a shed stating that they replaced XXXX square feet of roof deck and roofing material. The issue is that the shed is only XXXX '' by XXXX '' for a total of XXXX square feet. Then they charged for XXXX sq ft of roofing material but install XXXX different roofing materials on the roof. 

It is my understanding that HUD has to approve these repairs and in just this one issue I believe the maintenance company may have committed fraud based on the false statement of square footage of the shed roof. 

I have been dealing with these issues since XX/XX/XXXX with The Maintenance Company ( XXXX ) The Servicer ( XXXX ) and The Lender/investor ( AAG ) as well as the insurance carrier at the time ( XXXX ) Insurance Co. Obviously to no avail. All entities involved refuse to accept responsibility. 

I have detailed documents supporting all my concerns and have run into walls with all involved. I am requesting that someone contact me so that I can get some questions answered and hopefully offer a solution on how to move this issue forward. 

I am currently seeking {$7700.00} in restitution for Vandalism, Theft of personal property, Fraud, and water damage due to improper winterization of property. 

I believe that AAG should be held accountable due to the fact that they are the lender/investor that contracted with XXXX XXXX XXXX XXXX XXXX. It is my understanding that the lender must assume FULL responsibility for all actions created by their contractors as noted in the XXXX letter to motrgagee. 

I can be reached at any of the above contact points ( preferably phone ) at your earliest convenience. 


Sincerely XXXX XXXX Son of deceased parents XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APPLE RECOVERY, LLC
State: NM

Complaint narrative:
Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.

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 2015-09-21 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: CA

Complaint narrative:
My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 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: TX

Complaint narrative:
Why do you have to keep reapplying to have your loan discharged when you 're XXXX? 
Some of the letters I have written addressed to the " lender '' have been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA

Complaint narrative:
I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal

Company response to consumer: Closed
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My mother is somehow added to my Credit Account. Shes lowering my credit score.

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 2015-05-15 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: NY

Complaint narrative:
Enclosed is all the information that is attatched. I have called my loan several times in reference to lowering my payment to have a better quality of life and be able to live and not have to live with out any means of anything else. I am not able to move forward in life or even move on my own I have to rely on other people for a place to live in order to keep up with my student loans. I have tried to get scholarships to help me with my student loans and nothing. 
I do not know how you can help me but I would greatly appreciate it if you could. The student loans company resolution is to go back to school to hold off on payment for mt student loans, which doesnt help considering all it does it add to my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 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: CO

Complaint narrative:
I have been working at a 501 ( c ) 3 nonprofit since XX/XX/XXXX. I was n't sure if I would stay long enough for the Public Service Loan Forgiveness program to work for me. But over the years I submitted my paperwork for employment verification and wanted to at least have the option of utilizing the program if I ever did. I submitted my first employment verification form in XX/XX/XXXX. In XX/XX/XXXX I called FedLoan to talk about my repayment plans. I wanted to find the right one for me. The monthly payments were a concern and I remember being told that the lowest monthly payments were {$540.00} of all the plans and that 's the one I went with. For the past 2 years I 've made those payments. I recently submitted a new employment verification form and noticed that there was a place on my online account for " qualified number of payments '' applied towards my loans for the PLSF program. They all said XXXX. So I called to ask why. I was told that I am in a standard repayment plan and not an eligible repayment plan. But if I wanted to change into an income-driven plan now my payments would go down to {$400.00}. That does n't make any sense. Two years ago when I was looking for the lowest monthly plan my husband 's income has increased. My husband has also taken on student loan debt in that time. The lady at FedLoan that I spoke to today said there are notes on my account from XX/XX/XXXX where the rep I spoke to recommended I go into an income-repayment plan. But the only logical reason I can see for doing that would be if my monthly payments would have been lower than the standard plan. And of course I do n't have a recording of that conversation, but I swear that the {$540.00} was the lowest. The next lowest option was around {$700.00}. I feel that I was mislead by the rep I spoke to in XX/XX/XXXX by quoting the wrong monthly payments that forced me to choose the plan that I 'm in to be able to afford the payments. I asked the rep today that she file a complaint with FedLoan for me and have somebody pull that phone call conversation so we can know for sure what was said. I feel duped. I 've made larger payments than I will be going forward once I move into the Income-based plan and none of it is considered eligible for the PSLF program. 

AND ONE MORE THING. FedLoan Servicing makes it nearly impossible for you to know what repayment plan you 're in! It 's not available anywhere online. Nor on the statements. I had to call to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
Hello. My monthly student loans demand that I pay the entirety of my income to them. I have been working with Student Loan Finance Corporation for eight years and my forbearance has run out and they demand that I pay between XXXX and XXXX dollars a month. I have made it this far but my time has run out. My dad cosigned and is now retired and on social security and there is no help left for me. I make make roughly XXXX dollars a month and now live with my elderly parents to help them XXXX. I have no where to go and no lawyers will touch this problem. I 've literally been told that I have to get XXXX to even consider discharge through bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation