vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 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: CO

Complaint narrative:
I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: SRA Associates, Inc.
State: NJ

Complaint narrative:
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Massachusetts Educational Financing Authority
State: CA

Complaint narrative:
I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Earnest Inc.
State: CA

Complaint narrative:
We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: ME

Complaint narrative:
Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: SC

Complaint narrative:
co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: IN

Complaint narrative:
I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: FL

Complaint narrative:
This bill was paid by my insurance in 2009 and want this bill to be removed from XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been charged late fees on my Barclay 's MasterCard ( credit card ). 
I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. 
I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. 
They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.

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 2016-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward. 

Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: United Recovery Group, LLC (Closed)
State: OH

Complaint narrative:
Alliance debt collection contacted family members indicating an " emergency '' involving my whereabouts, frightened my family after leaving XXXX ( XXXX ) message on my cell phone within XXXX minutes. The voice message left on my phone threatened to take legal action against me, despite the fact I am working with the company to repay a personal payday loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: FL

Complaint narrative:
A few months ago, I called FedLoan Servicing 's customer service line in order to request deference of my existing federal student loans. I received three seperate student loans in XXXX, XXXX, and XXXX, respectively. FedLoan servicing 's CS representative told me that I was in " good standing '', and that my deference had been approved. However, FedLoan claims that this never happened, and they listed my loan as " delinquent '', sending it to the Department of Education. When I called FedLoan to resolve this, they repeatedly denied any responsibility, and told me " we can not help you any more, your loan has been transferred ''. The customer service for FedLoan was uphelpful and abyssmal, rude, consistently wasted my time, and treated me in a very callous and uncaring way, and the FedLoan supervisor did nothing to alleviate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC
State: CA

Complaint narrative:
I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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 wanted to make an extra payment to paydown the principal on my student loan. My autopay comes out the XXXX of each month. On the XXXX I logged into the AES website to make an extra payment of {$5000.00}. During the payment process I did not get the option to determine how i wanted my payment applied ( paid ahead vs paydown ). I only had the option of which loan ( I have XXXX ) to apply. Months ago I had spoken with another representative that told me I could make additional payments at anytime and it would not interfere with my autopay. Since this company lies after making the payment I emailed the company to confirm how my payment was applied and if my autopay was affected. I got an email back confirming that my autopay was not affected and that my payment was PAID AHEAD. I got this email on XXXX. I called on XXXX to ask why my payment was paid ahead and not processed as a payment. The rep told my I had to request paydowns IN WRITING THROUGH THE MAIL. It 's 2017. I should not have to request a paydown in writing. My XXXX other loan servicing companies do not request this. AES 's payment screen is both limiting and misleading. No where on the payment screen or in their payment processing conditions does it indicate that a paydown must be requested in writing. On XXXX links located on the payment screen AES indicates that this is the payment application : Accrued interest & gt ; Late fee ( if applicable ) & gt ; Current principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I would like to file a complaint against Fay Servicing out of XXXX, TX. 
My loan transferred to them on XXXX XXXX, 2015 from XXXX XXXX Bank. XXXX XXXX transferred my loan with a lot of unanswered questions. 
I would like to know why my mortgage amount went from XXXX to XXXX, making it impossible to pay? Is that even legal? 
Also I met with some of President Obama 's Representatives from his XXXX Program at XXXX XXXX and XXXX in XXXX. They said that my mortgage was XXXX of the worst written ones they have ever seen. They said I bought my house for XXXX and have paid a quarter of a XXXX dollars for it so far and to make matters even worse, there is a balloon payment, a final payment for the entire amount of the note. How can my last payment be my entire amount of my mortgage? How could I even ever pay that? I 've paid XXXX for 15 years and owe more now than I 've even paid. How is that legal? They said it was purposely written so that I would never own my home. 
They also showed me where XXXX refinanced my loan twice and the XXXX settlements show my student loans being paid TWICE, totalling XXXX that are still on my credit report and never got paid. Where did all that money go? 
Why is it that no one is accountable for this? 
I ca n't get an answer from XXXX and in trying to, they escalated foreclosure against me. 
I have statements upon statements with astronomical fees applied for who knows what, since I have never been able to get an answer from XXXX. 
Fay Servicing says I owe XXXX. I 've already paid XXXX for a house I bought 20 years ago for XXXX. 
I ca n't get any answers from Fay Servicing and in fact they have escalated foreclosure against me. 
I am a single mother, I can not afford to hire an attorney to straighten this out and am very fearful that they are going to steam roll right over me and take my house since they have already started the process. 
I also reached out to the XXXX for help. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation