vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
**PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: GA

Complaint narrative:
I do not agree with the fee charges of {$370.00} as of to date on my account with FedLoan Services. A third party vendor reached out to me a year ago to acting as Fedloan Services so I could lower my monthly payment. This however was a scam and was not caught till I tried to get my tax information from FedLoan Services. I am dealing with the third party scam, but have asked FedLoan Services if they would wave the interest fee for this request came from the third part. They told me they are not able to do so. This is highly illegal what the third parties are doing to college students in debt and FeLoans is not trying to stop this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX. 
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ). 
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you. 


XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: WI

Complaint narrative:
I am having serious concerns regarding a student loan I have through American Education Services. Loan information is as follows : Disbursement date:10/28/2004. Loan Program : XXXXCurrent Balance : {$13000.00}. Original Balance : {$16000.00}. Interest Rate : 5.130 % I have been in repayment for over 10 years and have paid {$15000.00} since I began repayment and my balance has barely lowered. According to the standard repayment plan it should be completely paid off by now. Even more concerning is the repayment schedule seems to be moving backwards. Every month the principle portion lowers while the interest portion gets higher, the exact opposite of what one would expect to happen over the life of the loan. I have never missed a single payment and only had XXXX payment in the 10+ years of repayment which was late, by about ten days. To compound the frustration AES will not respond to my inquiries. I would appreciate any assistance you can provide to help me determine what is going on with this loan. I have the wherewithal to pay the loan off entirely, however I am reluctant to do so until I get to the bottom of why it appears that I 've paid far more interest than expected. I thank you in advance for your helpSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me.

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 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC
State: CA

Complaint narrative:
A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received an offer to apply for a Citibank Citigold Checking Accounting, with a sign-up bonus offer of XXXX XXXX XXXX miles after completing the terms ( a direct deposit, XXXX monthly bill payments, etc ). I completed the terms of the offer and expected XXXX points to post within 60 days. When this did not occur I contacted XXXX and chatted with a representative who assured me I had met the terms and should expect to see points. I then received an emails saying was I not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a chat conversation with Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!

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 2015-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice from CITI that my Bloomingdales card, which I have n't used for a while, was enrolled in the " Credit Protection Plan ''. AND I was being charged {$.00} for every {$100.00} of balance, whether or not I was late. This was news to me? Never did I realize I had such a charge or signed up for this " Credit Protection? " I immediately called the number to unenroll and on the phone asked when I signed up, they said 2009? I then asked how much I had been charged to date and they said, " {$110.00} ''. I was pretty mad to know that they had charged me over the years and only wondered how many others this had happened to? I kindly asked for a full refund of the {$110.00} to which he said, " No. '' These deceptive practices may have been caught earlier by me if I was using the card regularly. I trusted Bloomingdales and trusted they would n't be charging me extra fee 's like this. I am very very upset that they would do this and not admit to the deceptive practices and refund me this amount. So I am turning to your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan is with Navient. They have, over the course of several months, applied all of the money I have sent them to interest only. The principle balance never goes down. When I contacted them about this, they informed me I was on a graduated repayment plan which would send all of my payments to interest only. I never requested this from them! They are parasites, leeching off of consumers. I requested that my payment plan be changed back. They have done so, and I will monitor it very closely from here on out.. This loan is for my attendance at XXXX XXXX XXXX XXXX XXXX ( a for profit school which also took advantage of me )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed with explanation