vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason. 
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card. 
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card. 
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX. 
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account. 
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc. 
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date. 
I doubt if that is the reason they decided to cancel my accounts. 
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.

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 2015-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. 

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 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
State: TN

Complaint narrative:
I have XXXX loans that I have had since XX/XX/2006 through AES..I have been making payments since XX/XX/2006 ... I have put them in deferment for XXXX months a couple of times but outside of that I have made faithful payments ... .but it 's over XXXX years later and I owe XXXX times the amount now than I originally started with ... I do not understand how..and I have found several other complaints online about this company with people saying the same thing as me and I just want some relief ... .there seems to be no end in sight with this company and I just feel that something needs to be investigated ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: PA

Complaint narrative:
I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: OH

Complaint narrative:
I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.

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 2015-06-20 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: M & S FUNDING, INC.
State: CO

Complaint narrative:
the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
Honda Financial calls us five times per day every day seven days per week, after we have told them the payment has been mailed and we are just waiting for their processing. For example, we sent them a payment six days ago and it still is n't processed When we ask them for payment information about the status of the accounts they refuse to give that information and hang up the phone. We can talk with them and let them know when we are mailing the next payment and five minutes later they call again, with no knowledge of the previous conversation. They are impossible to work with. But all they do is inundate us with harassing phone calls day and night. We have sent complaint correspondence to Honda Financial expressing the problems but they refuse to respond and continue the above harassing phone tactics. They do n't even know which of our XXXX accts they are calling us about. In addition, they continually to send threatening msgs without regard to payments mailed to them, and other circumstances of these accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
On XX/XX/2016, I paid a collection agency named XXXX XXXX XXXX XXXX or ( XXXX ) on behalf of the doctor office named XXXX XXXX XXXX for the total debt owed of {$170.00}. The confirmation number given to me to verify the debt was paid is XXXX. On the XX/XX/2016 I receive another bill for {$170.00} dollars from a collection agency named Medical Revenue Service on behalf of the same Doctor office named XXXX XXXX XXXX.

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 2016-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I have a negative line item showing on my XXXX, XXXX and XXXX reports from American Honda Finance. I have NO association with this creditor nor have i ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nations Recovery Center
State: GA

Complaint narrative:
I enrolled in XXXX for XXXX term in 2010. I was told by the financial aid counselor at the time that I could use federal student aid to cover the cost of class. After classes began there was a delay in processing my student aid and so my student account was placed in negative status. After continued contact between myself and my counselor I was able to correct the issue and the money was dispersed to the University. It was at this time I was told they would not be able to use federal funds, and that I would have to cover the costs out of pocket. This after the term was actually over and I received a final grade for the course. After informing them I would be unable to as I was unemployed at the time, which was the reason for using federal aid in the first place, I was told that if I did not the account would be placed in collections and reflected in my credit report. This has been the case ever since.

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 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nations Recovery Center
State: NY

Complaint narrative:
I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away

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 2016-12-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
they called with robo calls several times a day I did talk to a XXXX and told her ai would pay when I got paid but to stop the calls. The two days before i was to be paid they changed my pay date and tried endlessly to call and was on hold forever till my break of a half hour was over this happed more than one then the calls started endlessly again even after i told XXXX who called to stop calling me if they had an issue to write and invoked the FDCPA and still the calls came. i have 17 calls i have kept and the one telling XXXX to stop they said they wrote me and i never head back why because they had the wrong address for me and i never recevied any letter yet their bills come i wrote the pres and told hiim if he send me a late charge I wold report the calls after my letter to him specifically saying do not call and have that call recorded as well. They then sent me another letter to the wrong address which by some miracle i got pointed out thaqt the bills are correct the lease is correct yet they sent me a letter to the wrong address. i did not want to file this but felt i should never pay a late charge due to the harrrassment ai suffered. They send me a bill with a late charge and now I want my $ XXXX per violation. I will never pay the late fee since they are paid within th3 30 days and feel they should have stopped the calls when I told them to and they continue to send me bills with late fees well they can now just see what happens and I will never pay the late fee ever and they can eat it and learn from this that calling non stop is unacceptable when told to stop Had they treated me with the respect of stopping the calls then i would pay the fee but now somr they viiolated FDCPA they can just waive it for the term of the lease I will never buy a Honda iff this is how they treat their customers writing to wrong addresses and robo calls do n't wotk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Roycroft Management
State: CA

Complaint narrative:
Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.

Company response to consumer: Closed
Consumer complaint received 2015-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: WA

Complaint narrative:
For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Debt has NOT been paid in full however this debt was originally placed with another debt collection agency who then transferred it over the Medical Revenue Service and they never notified ME of the change and all this time I have been paying the other debt collection agency for the same debt that they marked against my credit. Now the other debt collection agency ca n't seem to tell me where all my payments went to and Medical Revenue Services do n't have any records showing that I have been paying on said debt for the past year!!!!!

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