vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I applied for a federal consolidation loan on XXXX/XXXX/XXXX, included in this application was an application for income based repayment under the REPAYE program. 
On XXXX/XXXX/XXXX my federal consolidation was finalized. 
On XXXX/XXXX/XXXX my RePaye application was rejected citing to insufficient paperwork to establish income. 
On XXXX/XXXX/XXXX, I called the servicer re : the rejection ; the servicer indicated that after re-review of the documents, the rejection was in error, and that my Re-Paye repayment plan application was correct and would be acted on soon. 
XXXX/XXXX/XXXX, having heard nothing from the servicer, I again inquired about the status of my Re-Paye plan application,. I was told my application was missing paperwork and needed to by updated, the income information had become stale given the time that had now past because of the servicer delays. On XXXX/XXXX/XXXX, I uploaded a copy of my two most recent pay stubs to the servicer 's website. I asked for expedited review. I called twice in the following week, explaining all delays and requesting expedited review of my re-paye application. I was told the repaye application would be expedited and completed the next day. On the next day I called to confirm conpletion and was told it would instead be 1-2 more months for the Re-Paye application to be processed. During this time interest on the unpaid loans has been accruing. Also, my full standard payment is now due XXXX XXXX, XXXX. I have been told that they can not change the due date and they can not add forbearance, because it will cause my re-paye application to be rejected. I ASK THAT MY RE-PAYE APPLICATION BE REVIEWED ASAP, AS IT HAS BEEN WITH THE SERVICER FOR OVER FOUR MONTHS. I ASK THAT IF THEY CAN NOT CALCULATE PAYMENT BEFORE MY LOAN DUE DATE ON XXXX/XXXX/XXXX, THEY CHANGE MY DUE DATE UNTIL LATER IN THE MONTH. There is a huge backlog with the servicer, and many many kinks to be worked out in their system for approving re-paye applications. These administrative failures on the part of my servicer is likely going to cause my loan to default. I can not afford the standard full payment. Please help expedite the Re-Paye approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Nicholas Financial Inc.
State: MO

Complaint narrative:
Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: WA

Complaint narrative:
I attended XXXX until 2014, at which point, I graduated with my XXXX, I considered continuing with my XXXX however I did not have the time to complete the courses. So When XXXX closed, I looked into the options I had regarding loan forgiveness. I contacted one agency that stated it could get my loan forgiven for XXXX dollars to keep my credentials, and XXXX dollars to remove all the credits as well as the loan, I suspected this was a scam so I contacted the dept. of education. I was directed to the XXXX Higher Education, where I was given a link to fill out a form to be submitted. As I understood the options, there was XXXX option regarding the fraud that was part of XXXX closure, as well as of for XXXX closing within one year of my graduation, and there were different options I could take, though no one really seemed to know what I should do. I printed the sheet and sent it in, hearing nothing back directly. When months went by, I found myself still not working a job within my degree field, as well as in need of car. Checking my credit report showed that I had Federal Loan payments that I had missed, destroying my credit and driving me further in debt, despite the fact that I had selected the loan deferral option on the paperwork I sent in. Calling the XXXX Higher education got me no where, telling me to call my loan servicer. My loan servicer said they had not received that paperwork, so would not honor it. I then searched out the paperwork I was to fill out for them specifically, and in the meantime decided I wanted to go to school for a separate degree, as the first had gotten me no where. Without a Job in my degree field, I thought XXXX XXXX would provide me the opportunities and salary options that I could make a career out of, and be able to afford to pay off future debts. I applied to a XXXX college, who requested my transcripts from XXXX I provided them and attempted to start my next steps in Education. I feel like I may have rushed myself, having just stared a new full time job ( Still not in my degree field ) I dropped the courses within 10 days of the start of term. Some month or 2 later, I received a letter from my loan servicer stating that I had transferred my credits to a different school, and unless I had a letter from the school stating that I was not using those credits, they would not forgive my loan. I looked into having the XXXX college remove those credits from my transcript, being more than willing to take the courses over, however they suggest I make a complaint to the CFPB regarding this matter before considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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: OR

Complaint narrative:
Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 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: GA

Complaint narrative:
I was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: VA

Complaint narrative:
Threatens legal action, calls constant will not allow me to lower payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 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: MD

Complaint narrative:
I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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:
I have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 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: OH

Complaint narrative:
I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AES/PHEAA
State: NY

Complaint narrative:
1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit card co. enrolled me with out my knowledge

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 2016-12-30 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: FL

Complaint narrative:
A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. 

He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. 
He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. 

Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. 

His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX

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