vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )

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 2015-05-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN ADVISORS GROUP
State: PA

Complaint narrative:
WAS DOING a reverse mortgage but because they only can add or tack so much on the original loan we did not close.At that time I had been promised by my reverse mortgae professionals supervisor that AAG would pay certain bills that incurred when -like the mold inspection etc.That wasin XXXX now it is XXXX and I have received imvoices for the bills.XXXX told me to fax the invoices to him and he would see what he could do.All he said was that we did not CLOSE so consequently they could not pay the invoices.This is my basic complaint-his supervisor assured me that they would pay these bills

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: MN

Complaint narrative:
I have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 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: TX

Complaint narrative:
Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me

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 2016-09-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Enterprise Systems, Inc.
State: NE

Complaint narrative:
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This is a request for SunTrust Bank to reimburse me a total of {$100.00} for XXXX items ( {$64.00} and {$36.00} ), both for the same account. 

Item # XXXX : {$64.00} -- the merchandise I ordered on XXXX was not delivered ; this transaction was posted on XXXX/XXXX/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark ( the end of XXXX ) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be " escalated ''. Then, on XXXX XXXX, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, XXXX XXXX via USPS Priority Mail ( so I have the tracking number ). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be " escalated. '' Then on Friday XXXX/XXXX/2015, I received a letter from SunTrust ( dated XXXX/XXXX/2015 ) indicating that I had n't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on XXXX XXXX via USPS Priority Mail to SunTrust, XXXX XXXX XXXX, XXXX, FL XXXX ; SunTrust reps acknowledged that they received the form ; and I have continually followed up over the phone! This is absolutely unacceptable! 

Item # XXXX : {$36.00} for stop payment. I was advised that I would have to call on the same day ( i.e., Thursday XXXX ) to cancel the stop payment and not incur the {$36.00} fee. I called at XXXX EST. I was told that I should have been advised that I had to cancel XXXX hour before they close -- i.e., at XXXX!! So I was XXXX minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vantage Sourcing, LLC
State: VA

Complaint narrative:
I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-03 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: MO

Complaint narrative:
A little over a year ago my student loan was taken by Fed Loan Servicing and I filed the paper work for the Student loan Public service payment plan XX/XX/XXXX came time to file again XX/XX/XXXX and I have submitted the same paper work again and forced on forbearance for months while interest accrued, the company said " you did n't submit the correct paperwork, XXXX, pay stubs, etc .... '' can not talk to anyone their because every person has a different answer, I am a single father working in XXXX, working or trying to work towards student loan forgiveness plan. I was making XXXX payments, now have over XXXX in interest payments and still no payment plan in site!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: GA

Complaint narrative:
I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Texas Guaranteed
State: TX

Complaint narrative:
TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: VA

Complaint narrative:
I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was enrolled in XXXX college here in XXXX texas i started XX/XX/2016 and it was a 2 year program but i found out the school closed on XX/XX/2016 and shortly after they filed for bankruptcy. i was told by UAS ( University accounting service ) that i was still responsible for the private loan that they paid out to the school on my behalf. Im in the process of getting my government loans forgiven through the dept of education, im just waiting on their response but this private loan is such a nightmare i didnt even get to benefit from the money they paid to XXXX i was barely beginning my schooling. If there is anything that could be done id be so appreciative. After the school closed i found out i was XXXX and this school loan has been weighing heavily on me i dont want my credit ruined for a loan i didnt use and can not repay. This private loan place is where career point said they have a contract with and always use them and career point did all the paperwork and i just signed. The private loan is about XXXX and through UAS there number is XXXX. Website is XXXX. I really hope you can help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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: GA

Complaint narrative:
American Education Services refuses to delete a negative entry on my credit report even though they were not the legitimate servicer of my loan in XX/XX/XXXX nor were they the granuty of the loan. I have disputed this entry with them over 5 times in 2 years and each time AES comes back with the same old illegal excuse that they were in charge of my loan in XX/XX/XXXX and they continue to make adjustments to the number of days of delinquent payments and make remarks " This loan is permanently assigned to the Government ''. They know exactly what they are doing, this is not necessary because I consolidated my loans in XXXX under the Federal Government program so I could handle my loans more efficiently. They are claiming that they were the servicer of my loan in XX/XX/XXXX, when actually they were not the servicer of my loan. If AES was a servicer it was not listed on anything to verify their status according the XXXX XXXX XXXX XXXX XXXX web site, the government web site that has all the information listed about loans and the amount that is owed. XXXX, who is XXXX XXXX XXXX XXXX was and is the servicer and grantor of the loan in XX/XX/XXXX. So, what gives them the right to continue to report this negative entry on my report. They were listed in XX/XX/XXXX, but I went bankruptcy then, after bankruptcy XXXX were listed as the guaranty of the loan. I spoke to XXXX concerning this AES reporting and the person that I spoke to told me to call them which I did. AES allows customer service personnel to handles credit reporting, someone who does not have skills pertaining to other people 's life. I ask to speak to someone who is Supervisor or XXXX title. The lady I spoke too, XXXX, a Superior, but she did not say what kind of Superior, but her badge no. XXXX, denied that they are still reporting, but they are because as of XXXX/XXXX/XXXX, I received another refusal about deleting this entry or removing the remarks on my credit report from XXXX through email. She said they are only reporting because I filed a complaint, but if I do not complain, that means that everything on my report I agree with and I do not agree with them holding my report hostage when they are not responsible for servicing nor the grantor of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}

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