vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: LA

Complaint narrative:
On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: ME

Complaint narrative:
On XXXX/XXXX/XXXX, I took out a loan for {$1400.00} to attend XXXX XXXX in XXXX, New York, and on XXXX/XXXX/XXXX, the financial aid institution disbursed the same amount. There was an additional addition to the principal of {$760.00} on XXXX/XXXX/XXXX which I do not understand as I was attending a state college at the time. 

The institution, called American Education Services, does not bill me regularly, but I have been making payments through the online bill pay service that my bank offers. I believe that too much of my payments has been going toward interest, and the loan company is n't interested in having me pay off the loan in a reasonable period of time. The " expected payoff date '' for my loan is XXXX/XXXX/XXXX. XXXX of my payments of {$50.00} went entirely to interest. I believe that this institution is a predatory loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
so same story SUNTRUST mortgage servicing charging too high interest rate

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 2017-02-22 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: CA

Complaint narrative:
Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: MA

Complaint narrative:
American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: NY

Complaint narrative:
I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.

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

Complaint narrative:
I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: PA

Complaint narrative:
I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years. 

help! 

best, XXXX XXXX, TN

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 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: NY

Complaint narrative:
Fedloan Services provided a letter indicating a requirement for recertification for the Pay-As-You-Earn-plan. Upon failure to certify by XX/XX/2017, the letter states payments will increase to {$410.00} on XX/XX/2017. However, this payment is lower than my current payment which appears to an error. Under all the material that I have read regarding federal loans, in the event of non-recertification, payments will revert to the standard plan. I find this letter extremely confusing and dangerous. If I were to rely upon this letter, I risk facing an additional {$1400.00} in monthly expenses. The standard payment 10-year for my loans is over {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.

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 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OR

Complaint narrative:
This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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: TX

Complaint narrative:
Before I XXXX in XX/XX/2008 I co-signed my wife 's private student loan since I was employed and she was a student. I came home from XXXX totally and permanently XXXX. My only source of income is VA compensation and XXXX. My wife left me and got a divorce about a year after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a totally and permanently XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to totally and permanently XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong information in order to steal identity found on report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
Last week, ( XXXX 2016 ) in applying for a Reverse Mortgage through AAG ( American Advisors Group, NMLS # XXXX ) I was instructed to submit my credit card information before an application would be sent to me in order to apply for a reverse mortgage. The credit card, I was told was needed for the cost of the appraisal fee which was not even scheduled or needed since the application was not even prepared and sent to me for review and approval. AAG said this is a policy for all Reverse Mortgage loans, no exceptions! 

AAG indicated that I must submit credit card information or no application would be prepared and sent to review and sign. The Reverse Mortgage Professional from AAG in asking for credit card information before receiving and reviewing their terms and conditions appears improper and may be a violation of prudent lending practices. I did not submit my credit card information and, therefore, no application was ever sent! 

I hope this compliant is not a waste of time to report this practice from AAG, supposedly the largest Reverse Mortgage lender in the nation.

Company response to consumer: Closed with explanation