vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 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: FL

Complaint narrative:
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. 
On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.

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 2016-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX : I reached out to you & filed a complaint with the obudsman group for the following : When my loan switched servicers I was in the process of consolidation and was on forbearance. The consolidation completed but somehow in the switch it marked my loans before consolidation over XXXX days late, I have called in several times & sent letters because this negatively affects my credit score and was told they can not find where this is being reported though it is on all XXXX credit bureaus and i have sent copies to you. I have given up and accepted my lower score as a result of fedloans error. 
XXXX XXXX : I also called in over a year ago because I could n't afford my payment and I wanted to be put on a payment plan that counted towards forgiveness because I work for a non profit. I have been making sacrifices and paying the amount. 
XXXX XXXX : Recently, in my yearly statement the documentation showed that none of my payments counted toward forgiveness. I contacted fed loan and advised of the issue. I also advised I was facing undue hardship because of my XXXX a month payment. 
XXXX XXXX-Without my authorization/consent my XXXX XXXX payment of XXXX was deferred and now my XXXX XXXX payment was changed to XXXX and no one called/advised me. If I am having trouble paying XXXX How can I pay XXXX? XXXX is negatively impacting my credit and without legal authority from me, deferred & changed my payment. I can not afford this payment need these issues escalated and corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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:
I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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 was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Nicholas Financial Inc.
State: PA

Complaint narrative:
I explained to the man that at the moment I was not able to talk because I was working, he states that he does n't care. I said I would call on my break he said he does n't care about a break i was to call by 5 regardless of whether I was on break or not, and hung up on me. Then continues to call my cell phone repeatedly with a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on 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 explanation
Consumer complaint received 2016-11-25 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: MA

Complaint narrative:
It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: AR

Complaint narrative:
For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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:
I requested to have loans discharged due to my forner institutions kicking me out due to an partial investigation conducted after they intervened in an unethical manner

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: WI

Complaint narrative:
I have taken out XXXX private student loans, which American Education Services ( AES ) bought out. I have been paying on these XXXX loans every month and I pay on time. My payments total XXXX and only XXXX ( ballpark ) goes towards the actual balance. Since XXXX a total of XXXX has gone towards my balance and the rest I was told went to interest. I called this company numerous times to get help from them regarding a payment plan and they are never any help. They say I used up my options. They are not very professional or friendly. The representatives are rude. They do not explain how the repayment plans work and they do n't notify the customer that they only get XXXX chances to change their repayment plan. I have done some research on this company and there are numerous bad reviews about the company, with many consumers complaining about the same problems. This company should be investigated and looked in to by someone, as I think they are ripping people off. I work very hard for my income and I pay faithfully to this loan and the balance is barely going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.

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 2017-03-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. 
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. 
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.

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 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation