vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
VIOLATORS OF FDCPA, TCPA CEASE AND DESIST COLLECTION EFFORTS PAID ORIGINAL CREDITORS ALREADY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: iFreedom Direct Corporation
State: MI

Complaint narrative:
We bought a home and used ifreedom direct and dealt with XXXX XXXX. We used a VA loan and had to put {$500.00} in an escrow account to tear down our shed and we were told by XXXX that they 're company would cover the re-inspection fee after the removal. We closed on the home in XXXX 2015 and just completed the work and got a refund check for {$400.00} and it stated on the check there was a {$100.00} fee for re inspection and I emailed XXXX and she stated her company usually covers that but because we were given credits at closing they were not giving anything else out. I sent an email back asking where in our paperwork that it stated that & even an amount of the re inspection fee, and that infact I had emails from her stating numerous times we would n't have to being more money to closing and XXXX minutes before our closing we were told we had to bring over {$1500.00} and infact XXXX had asked the manager for the title company to tell us not to contact her ( XXXX ) or we would n't close. We were also told our rate would be 3.5 % and at the last day we were informed that it was actually going to be 3.875 % and that 's why we got credits at closing. It has been a nightmare dealing with this company and the things they have pulled especially on a veteran!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Purchased my home XXXX XXXX XXXX was the bank holding my mortgage. My mortgage went from {$2300.00}. To {$2800.00} in a year at 6.5 % I reached out to XXXX XXXX in XXXX ( which his office tried to playoff that they were a law firm, they did nothing for me! ) you need to look into his company too. I stopped making payments for three months, it got their attention In XXXX I was granted a mod. In XXXX paid XXXX I signed documented papers from XXXX star. Paid XXXX XXXX mortgage, paid XXXX XXXX mortgage, it gets returned to me in XXXX. Took months before I was able to speak to anyone was told that I did not have a mod and they stated that will just return any payments from me ( LOL I have signed docs that I do ) XXXX went on for months scared of losing my house XXXX the un caring people at XXXX XXXX went to see lawyer # XXXX told me to get the following info. Went to lawyer # XXXX he sat on this for two years doing nothing for me but getting me more in debt. Now with lawyer # XXXX still currently with. 
My loan was sold to Fay Servicing, in XXXX. Lawyer # XXXX just wanted to settle, I did not! XXXX I have been threw, damages from XXXX storm could not reach out to XXXX because the state of the house was in foreclosure. As soon as XXXX XXXX from Fay Servicing wanted XXXX told my lawyer I did not have that much I was denied finical help. As of today working with my lawyer, not sure how all this will pan out. 
There are no longer honest people out there. The lawyers, mortgage brokers, and the bank that totally XXXX, sells to Fay Servicing who is in turn is doing the same thing. XXXX XXXX XXXX settles what happens to people like me that has been through XXXX and the ones that have lost their homes big deal they got a check. 
There is so much more to this story, just wanted to make it short.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Violation of mortgage. 
Mortgage FRAUD

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 2016-06-21 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:
I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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 started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: PA

Complaint narrative:
I consolidated the balance of my son 's student loans in 2006. Even though I paid on time regularly every month, AES has failed to reduce the interest rate as I was promised. Their response was that option was eliminated when the loans were consolidated. That was never conveyed to me and I would never have agreed to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan servicer, FedLoan Servicing, has been unable to produce the Master Promissory Notes for my consolidation loans. These documents are required by a loan repayment program offered through my employer. I have called them approximately 8 times over several months for these documents. In the first few calls, I received conflicting information about whether or not FedLoan Servicing had the documents. Representatives also kept referring me to other sources instead of escalating my request with FedLoans, who is the servicer of the loan. The servicer is legally required to hold the Master Promissory Notes. 
When asked if they could provide any alternative documentation such as an affidavit that they have lost the promissory note, FedLoans representatives said that they are unable to do so. 
This represents a failure to provide a basic service to me as a borrower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 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: WI

Complaint narrative:
I 'm having problems making payments on my student loan serviced by AES ( contracted through XXXX ). I am told the ONLY way I can make payments on my loan is to give them my bank account information. I am not okay with this at all. I have other loans being serviced by other companies that have no problem taking payments over the phone with my debit card. So since AES refuses card payments, the only way I can pay my monthly is to let it go past due and have a XXXX party collection agency take the card. This would be fine if not for the past due/late fees that are absolutely ravaging my credit. Their customer service is terrible and runs me around in circles every time I contact them about this beyond the point of frustration. This set up is ultimately going to lead me to paying extra late fees every single month and more than likely defaulting on this loan for absolutely NO GOOD REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. 

My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.

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 2016-02-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AES/PHEAA
State: IL

Complaint narrative:
AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: KS

Complaint narrative:
Graduated in XXXX and XXXX in about XXXX for a total of XXXX in student loans. Paid on the loan on-time for years and after a divorce in XXXX started having financial difficulties eventually filing for bankruptcy in XXXX. Loan Balance ballooned with fees to current balance of {$52000.00}! I am ready, able and willing to pay pay my student loan obligation - but I just stare in bewilderment how the balance has gotten XXXX higher & gt ; while paying XXXX in payments. Up until about 5 months ago - I had been paying back applying extra to each loan payment - like {$100.00} to start getting caught up ... then I got a little behind in payments ... but I want to attach my current statement showing the original balance, the current balance and the breakdown of my payments. In round numbers you will see payments of about XXXX ( half my original balance ) - but almost XXXX has been applied to interest - not principal ... so in XXXX in payments - only XXXX has been chipped away - and that 's with paying extra ... there is simply no path to paying off this loan ... but I will try IF these numbers are correct ... can someone investigate to confirm these numbers? They seem so unfair ... 

( XXXX UNIVERSITY is the institution )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: NJ

Complaint narrative:
I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 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: MI

Complaint narrative:
See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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:
XX/XX/XXXX, my wages were garnished without the required 30-day notice or the opportunity to request a hearing. I was informed by PHEAA that the notice was mailed to an address at which I never resided. However, I followed all procedures to enter the loan rehabilitation program. XX/XX/XXXX and XX/XX/XXXX, I repeatedly contacted PHEAA to inquire about my repayment plan as I was no longer receiving bills and did not know the status of my loan. I was experiencing a financial hardship following a divorce involving XXXX, a lack of child support payments as a single parent of XXXX, and then after moving a safer location. I applied for the loan rehabilitation program again as advised by PHEAA, but was rejected after applying multiple times. XX/XX/XXXX, I received notice from my employer that PHEAA was garnishing my wages. I had received NO other notice and, again, did not have the opportunity to request a hearing. I contacted PHEAA again and was told that the XX/XX/XXXX notice of garnishment ( which I did not receive because it was sent to the wrong address ) was sufficient so I could no longer request a hearing. PHEAA told me my previous applications for loan rehab were rejected because I had a spousal consolidation that required a financial disclosure from my former spouse. Although I had submitted a judgement stating that I was responsible for the student loans, I could not apply for rehabilitation without my former spouse 's cooperation. Had I been informed of this from the beginning, I could have tried having him compelled to cooperate during our court proceedings and possibly avoid garnishment, which is now causing additional financial hardship. I have provided PHEAA with the information they have requested multiple times, but each time I have contacted them, I 've been given information I 'd never received previously or asked for information I 'd never been asked for before. Their tactics have stalled and prohibited my chances of entering into an affordable payment plan, and I 'm now losing approximately {$1200.00} per month, which is a hardship for a single parent of XXXX young children. I can not afford after-school or summer child care, which will impact my job. I have already paid almost {$20000.00} in interest and almost {$5000.00} toward the principal on $ XXXX of loans, yet I now owe over $ XXXX. I 've made large payments, when possible, but of course, most of the payments were applied to the interest only. PHEAA now tells me I have no options to rehabilitate because my former spouse will not cooperate, yet I can not afford to provide for my children and pay all bills with this garnishment.

Company response to consumer: Closed with explanation