vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 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: MD

Complaint narrative:
My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 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: AE

Complaint narrative:
First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
These people are loan sharks! I am a XXXX. My husband was the only XXXX in my family working while I attended college. He left as soon as I finished. I have XXXX daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to XXXX, so I am returning to school to get a XXXX. AES is ruining my life. They want me to pay them almost {$600.00} a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't even want to live because of them. I want to pay them and I will pay them, but I can not pay until I have a job. The only way I can get a job is to teach. This company will not relent and they will call you until your phone blows up. It is no use trying to work out something with them. They will not listen and they 'll write you back the same thing they said all along. Please help! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: PA

Complaint narrative:
I requested proof that this loan was mine with a signature. I requested that they show this disputed on my credit report. They did not provide a copy of the loan with my signature nor did they mark disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: ID

Complaint narrative:
Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life.

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 2016-10-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.

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 2016-08-10 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: GA

Complaint narrative:
Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: VA

Complaint narrative:
I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA
State: OH

Complaint narrative:
At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I have several student loans owned by NCT and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about {$41000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12 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: FL

Complaint narrative:
My current credit score reflects delinquent payments in regard to my federal student loans. I was unaware that they were coming out of deferment as I was still enrolled in school at the time. Due to being unaware of this, I missed one payment in XXXX 2016. This ONE missed payment is listed several times on my credit report due to not being consolidated, and has had serious implications on my credit score thus hindering me from being able to rent a new apartment or house. I understand if it were listed as one missed payment, however having it listed as a delinquent payment several times has greatly effected me in all areas of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: AR

Complaint narrative:
I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 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: WA

Complaint narrative:
I am reporting inaccurate credit reporting by Fedloans resulting from and alleged " delinquency '' on my account. I am questioning the bill which I believe was issued in error and duplication. I recently submitted a dispute form to Fedloans in which no meaningful review or comment was provided back to me. I have reported the incident to the Dept of Ed Ombudsman 's office. This is my XXXX complaint to CFPB. I have also reported this situation to the Dept of Education Ombudsman Office twice before. I have also tried working with the servicer for the past 5 months to resolve this issue but no longer have the confidence is their abilities to respond to my issue. I have sent Fedloans XXXX different dispute forms and each time they denied the request without any explanation regarding the details I provided. Keep in mind this is regarding a payment which was a duplicate that they later issued a forbearance for but after the time period for the delinquency had passed. My account is now current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
This account does not belong to me. This account belonged to my Ex-Wife. I never had an account with you. Please remove this account from my credit report. I have disputed this account many times with Midland Mortgage and the Credit Agencies. I need your assistance in getting this account removed from my credit file.

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 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Please help two people are trying to open accounts and say they are me, they even opened an account with Credit Karma, under my email address, but has there own pass code, so I could not open an account at Karma. Could someone please call me asap, this is fraud, I can get any of my reports because they put phony info on apps they filled out, not since i cant answer some of there questions, I cant get my reports to see what these people are doing, I know one is my brother They robbed my home twice in 5 years. I am getting a lot of mail in there names sent to I have lived here 20 years, please can you report this and help me find out what they have done or trying to do

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 2015-12-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: American Capital Enterprises, Inc.
State: HI

Complaint narrative:
I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.

Company response to consumer: Closed
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Van Ru Credit Corporation
State: IL

Complaint narrative:
Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.

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 2016-10-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.

Company response to consumer: Closed with explanation