vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc.
State: MS

Complaint narrative:
I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all. 

I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying 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 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WA

Complaint narrative:
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.

Company response to consumer: Closed
Consumer complaint received 2015-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: MA

Complaint narrative:
I make a {$200.00} XXXX XXXX payment monthly. It is in excess of my required monthly payment. Therefore, I am currently due for XX/XX/XXXX. My employer introduced a new benefit for student loan pay downs. My employer will be sending {$120.00} extra a monthly on my behalf to my servicer, FedLoan Servicing. The payment from my employer through XXXX, sent instructions to apply the payment as principal only. The intention is to pay my loan after faster by applying the payment to principal only - not interest. My payment was applied XX/XX/XXXX. I called XX/XX/XXXX regarding the payments application because it was applied towards interest and principal. I explained that there was a letter accompanying my paperwork explaining it should be applied as PRINCIPAL ONLY. I was told by XXXX XXXX, and XXXX XXXX that it is not possible to make a principal only payment towards your loans and they refused to make it a principal only payment. Both employees stated that FedLoan servicing only applies payments in that manner and they will not apply any payment to principal only, regardless of payment status. Mind you I am due for XX/XX/XXXX - all other loans I have, will allow a principal only payment as long as you are current on your payments. I am making a good faith effort to pay my loans, on time, in addition to paying about {$140.00} extra/month, yet my student loan servicer is making it more difficult for me to get out of debt by refusing to allow people to pay principal only. Creating additional profit at the expense of individuals attempting to rid themselves of debt. I would just like to be able to apply my future {$120.00} payments towards principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 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: FL

Complaint narrative:
I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid. 
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with. 
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: LA

Complaint narrative:
i got a call at my work yesterday evening XX/XX/XXXX ad the caller said they were from advantage services saying I owed a payday loan fromXX/XX/XXXX I have n't had any and the said it was from XX/XX/XXXX when I ask for documentation to be sent to me they caller got ugly and so I hung up in her face. then she called back. I refused the call and told our operater not to accept any more calls like that. they threated charges and court. they were very ugly. I have not had a pay day loan they have they last numbers of my social security number. I do n't know how they got it but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: WA

Complaint narrative:
I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! 

I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. 

The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.

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 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NV

Complaint narrative:
I have never received any letter/documents from XXXX XXXX for services supposedly given in 2013, nor a bill from anyone stating otherwise either. Called # on debt collection letter and asked to have debt verified because I am not aware of this debt. Collection agency then kept asking me " what kind of verification do I need '', " call your insurance company '', " the letter from us is your verification of debt ''. Only when I informed the rep that I had a family member who does debt collection and so I am well aware that they legally have to document my dispute and verify the debt from the original creditor did the rep say " okay, we will get that sent out to you ''.

Company response to consumer: Closed
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
In XXXX 2016 I reviewed my credit report and notice a collection account with the Phoenix Recovery Group. They claim I owe them {$2500.00}. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. My letter requested to provide proof of the account. On XXXX XXXX, 2016 I received a letter from the Phoenix Recovery Group with a list of charges however I do not agree with several of the charges such as " replace XXXX drip pans '' of {$16.00} and " Carpet Replace Required - Pet Damage '' of {$400.00}. I responded on XXXX XXXX, 2016 disputing several of the charges list on response to the validation letter and to date I have not received a response from The Phoenix Recovery Group. I have attached all correspondence for 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 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JBS Finance, Inc.
State: GA

Complaint narrative:
Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation