vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
We signed a contract to purchase a bank owned property or short sale. Property address : XXXX XXXX XXXX, XXXX, CT XXXX. Contract was signed XXXX/XXXX/16 and XXXX/XXXX/16. Repeated communications in regards to moving forward. On XXXX XXXX we were advised that it was assigned to a rep at McCue mortgage and we would hear something soon. On XXXX XXXX after we inquired we were told that additional documentation was requested by the seller the week before and the seller was obtaining information. We were advised we would hear something back by XXXX XXXX. On today 's date ( XX/XX/XXXX ) we were advised by the short sale negotiator that McCue is VERY slow and they are likely another couple of months from an approval. They have not finished financial review yet, based on the financials they have asked the seller for. They have not ordered and appraisal or title report yet. Short sale negotiator states that they have had at least XXXX files with McCue in the last year and they are taking way longer than most other lenders. We are desperate. We will not have a home XX/XX/XXXX. We need to know if we will be able to purchase this home by then. We have XXXX children and need an answer as soon as possible.

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 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL

Complaint narrative:
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed
Consumer complaint received 2017-01-24 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: MD

Complaint narrative:
FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: IL

Complaint narrative:
I have attorney representation against NCT therefore I do not want any contact from this company until the legal issues have been solved. AES has been told this numerous times and I have advised the company per my attorney I ca n't discuss any NCT loans with them except loan # XXXX because it is co-signed and my mom does not have legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-03 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: CA

Complaint narrative:
This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have been trying to close my SunTrust Bank account as they keep allowing false charges to be made to my account. When I asked for my account to be closed it had a positive balance. It took them several days to acknowledge my request to close the account and then mysteriously several out of state charges started to show up on my account. Now my account is in the negative because yet again they have allowed false charges or are trying to sabotage my account closing by adding a ridiculous number of charges and overdraft fees. If they had closed my account when I asked then they would be mailing me the positive amount left in my account now they are claiming my account is negative by $ XXXX. I believe there is something fishy going on with their accounting. I have had nothing but trouble with them allowing false charges and me continuously paying them and now all of a sudden more fishy charges are added to my account upon my request to close the account. I believe they are practicing unfair business and treatment of their customers. When I brought this to their attention, they asked if I would like to make a fraud complaint in which I said yes however was told they could not complete on their end I 'd have to call in. I called in several times over the course of several days and each time I was placed on hold for more than 30 mins and never allowed to talk to an actual person.

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 2015-07-09 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: IL

Complaint narrative:
My XXXX loan was sold without my consent to American Education Services. After paying the loan off in full the following month, AES proceeded to withdraw from my account. When emailing about this they assured me I 'd receive a refund by XXXX XXXX. When I did n't receive the funds I emailed again. After XXXX emails, I called and was told it refund was probably issued on the XX/XX/XXXX and it should be in my account any day now. I 've called a number of times now. On XXXX XXXX I had called once again ( a month after I was told my refund would be in my account ) and after 45 minutes of going transfers and no answers, they told me the refund was paid and that I needed to send them all of my bank statements to prove I did n't get that. I proceeded to ask for some sort of confirmation of that and they said they did n't do that. I was not willing to send my private financial information to a 3rd party who had been so difficult to deal with up until this point and asked to speak with a manager. The manager came on the line and within 5 minutes she was able to see that nothing was refunded and told me I should have my refund in 3-5 days. I had to call again yesterday as I still have not received my refund. They told me by Friday this time. Friday will be XXXX XXXX, I did my part and paid off my loans in XX/XX/XXXX. This " company '' seems like a giant scam and I do n't understand how its legal for them to keep my money but they charge me interest every second my loan was still active. Another side note about this company is that they wo n't give you the full name of who you are speaking to, only a first name and an employee ID number and when I referenced the manager 's ID number no one knew who I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
My adult son has outstanding student loan debt. My wife and I co-signed for his loans and he had difficulty in finding a job that would allow him to pay off the loans. We have been receiving numerous telephone calls from National Enterprise Systems ( NES ), most recently XXXX yesterday where they actually left a vm message on our answering machine, informing us that they were debt collectors, yet the caller I.D . only showed the phone number ( ( XXXX XXXX XXXX ) and that the call came from XXXXXXXX. I called the number and got a recording that identified the company as ( NES ) Prior to that, they had been calling us from XXXX, XXXX and using a phone number of ( ( XXXX XXXX XXXX ). I believe that XXXX XXXX XXXX XXXX has sold my sons student loan debt to NES. My son is currently working with a company to help him manage his student loan debt and he informed me that they have reached out to his creditors to attempt to pay his debts. My wife and I are retired and we do not get involved in our sons financial affairs. My wife 's health as of late has not been good as she had a XXXX a few months ago. The added stress of companies such as NES constantly calling us and harassing us is adding to her stress level. I had previously filed a complaint with your agency back in XXXX of 2015 concerning a similar situation with Navient/XXXX ( Ref complaint # XXXX ) and I have received well over 100 phone calls from them since filing that complaint. If my son was a deadbeat and blatantly refused to own up to his financial obligations, I would not have a complaint but that is not the issue here. These companies that finance student loans and the third party companies that they sell these loans to for collections are predatory sharks and action needs to be taken by our government to stop these strong arm tactics used by some of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: CT

Complaint narrative:
Please review my original case # XXXX. It was closed after a response was sent in from XXXX XXXX XXXX of Fed Loan Servicing. Please do n't close this case out until my issue is resolved. The original issue is not resolved, and it does n't make sense for CFPB to close out the case if they receive a letter from a Fed Loan Servicing Vice President. 
Fed Loan Servicing recently sent me an updated service history showing XXXX payments qualifying towards the PSLF program, better than the XXXX they had on file before I asked for an audit, and better than the XXXX they dropped me down to once the audit started. XXXX " qualifying '' payments are needed to forgive my loans, meaning I have to send in the amount due in total each month. XXXX payments were marked as non-qualifying as " full installment was not satisfied ''. Fed Loan Servicing intentionally shorted the amount due ( in bold print ) so I wo n't be able to reach the XXXX qualifying payments. Please review the attached documents proving the Fed Loan Servicing sent me XXXX incorrect monthly " payment amount due '' invoices. All XXXX payments are off by a total of {$3.00}, and I would be willing to pay the {$3.00} to get these XXXX payments into compliance. 
There is more to the story, so please read the attached word document and see scanned in images of the invoices in question. XXXX payment made to XXXX, the servicer prior to Fed Loan Servicing was XXXX PENNY short back in XXXX/XXXX/XXXX. I am requesting that Fed Loan Servicing produce the invoice so we can see if that contained an incorrect amount due total. 
Fed Loan Servicing Borrower Advocate XXXX XXXX was assigned to work with me. I am corresponding with Senator XXXX XXXX 's office. I have made a complaint to the XXXX Ombudsman 's office and submitted a complaint at XXXX feedback center. 
Something is not right at XXXX and PHEAA 's Fed Loan Servicing. It is like they do n't want me to make the XXXX necessary payments. At no time have they put me in a past due state when the numbers did n't match up. Serious attention should be given to this, as a lot of people are going to be putting in for XXXX starting in XXXX XXXX. They are going to have a rude awakening to PHEAA and Fed Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wellmont Health System
State: TN

Complaint narrative:
i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: MO

Complaint narrative:
While reviewing the Personal Information on my Credit Report I came across names that are not mine that are attached to my Credit Report. This worries me due to how many Credit Cards and other accounts were attempted to be opened in my name.

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