vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 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: GA

Complaint narrative:
My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: MN

Complaint narrative:
I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: CA

Complaint narrative:
In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.

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

Complaint narrative:
In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.

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 2016-10-13 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: VA

Complaint narrative:
Direct Fedloan Servicing reported my loan 60 days past due in XX/XX/2014 in error. I have XXXX loans with them and all have either been in XXXX or on a direct debit. I was unaware they had negative reported me to the credit bureaus until recently. I disputed the negative reporting with the bureaus and it was declined. I called Fedloan servicing and was told that placed XXXX of my loans in forbarnace but not the XXXX. They stated regardless of the error it my responsibility to know that. I asked for a record of the billing statements or communications that would have alerted me that they failed to place the XXXX loan in forbarnce. They could not provide me those details and stated that even if they did n't send a statement, bill notification or acknowledgement that it was still my responsibility to know and thus they are not in error. How am I suppose to know that if they did n't tell me? In addition it 's their error in not placing the XXXX Loan in forbearance. They also stated they have records of my calling in an also applying for economic hardship forebarences, which were applied to the first XXXX but not the third. At no time during these call did any XXXX tell me I was behind. They stated they sent emails to alert me. I received no such emails, never agreed to email communication and every other communication they had sent me was in letter format and by mail. They failed to properly apply the requested forbarance and to all notify me of my balances afterwards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2015 I XXXX XXXX XXXX opened up a CHECKING and SAVINGS ACNT AT SUN TRUST BANK BRANCH XXXX nc XXXX, CSR XXXX XXXX XXXX XXXX. She did not give me all my bank opening ACNT PAPERS nor MY beneficiary page in WHICH SHE DEMANDED MY CHILDRENS SS #, DOB AND NCDL #, JUST FOR THEM BEING THE BENEFICIARIES ON MY ACNTS, SO I WENT BACK THE XXXX, withdrew {$350.00} from each ACNT CHECKING and SAVINGS WITH NO PROBLEMS THEN ON XXXX XXXX, 2015 SUNTRUST BLOCKED ME OUT OF MY ACNTS AND PLACED " A NO DEBIT STATUS '' ON MY ACNTS AND TOLD ME THEY WERE CLOSING MY ACNTS BUT I HAVE {$50.00} in each ACNT AND WAS TOLD THEY CANT GIVE ME A TIME FRAME ON HOW LONG IT WILL TAKE FORM THWM TO MAIL ME CHECKS FOR MY TOTAL OF {$100.00} combined money in my aunts that was CASH DEPOSITED IN THE FIRST PLACE ON XXXX XXXX, 2015. HOW IS THAT NOT STEALING, BANK MONEY LAUNDERING, FRAUD ON THE BANKS PART BY XXXX XXXX XXXX CSR XXXX BRANCH!!! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: IN

Complaint narrative:
I have tried multiple times to explain to AES that I am unable to pay the monthly payments for my XXXX XXXX loans and my XXXX loan. They are not being flexible with me in order to pay these down and are not giving me options except, " looks like your only option is to default ''. This is so unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report

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