vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX my bankruptcy was finalized through a federal court action. My student loans were private in nature, not guaranteed by the United States Department of Education. There is over {$1.00} XXXX in student loan debts that are guaranteed by the United States Department of Education, and by federal mandate these debts are not dischargeable by a personal bankruptcy. However, all privatized student loans can not be enforced without a direct state court action of my domicile. In the case of my original student loans, they were procured by XXXX, sold off into a securitized trust, and eventually they sold off the servicing of these loans to at least two collection agencies, disguised as servicers of federal guaranteed loans. My bankruptcy filing is 100 % legitimate, and the fact that there was no dispute presented on the filing is proof enough that the only action that could have been taken was by an action for summary judgment. The student loans discharged were against the current servicer at the time of filing in XXXX, that being XXXX XXXX XXXX, and since the discharged the loans were picked up for servicing by American Education Services. The latest collection agency is a private collection agency that must have federal oversight through the Federal Trade Commission. The current actions by the latest agency has done damage to my personal credit, even though they have no right to collect on a debt that was discharged by an action I took within a federal court. The current agency is nothing more than a subsidiary of XXXX XXXX XXXX, a scam practice whereas my rights can continue to be violated. Bankruptcy is protected by the United States Constitution, where every American citizen has a right to claim insolvency. My rights under the Fair Credit Reporting ct and the Fair and Accurate Credit Transactions Act are being violated. This collection practice must cease permanently, and any or all references to this past debt must be deleted from my pertinent credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: NC

Complaint narrative:
I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc.
State: NJ

Complaint narrative:
Rosen Mgmt at XXXX has been calling me about a debt that I do not have any knowledge of owing from 2011. They are claiming i took out a payday loan and did not pay it back. I have no knowledge of said loan. Then she claimed to be from the garnsihment dept of Rosen Mgmt and my pay was about to be garnished unless I paid said debt. I asked them for information on the debt and she stated I should have received it in the mail. I said i have not received anything from you company. She then stated it was sent cerftfied mail. I said could you send it again. I have been waiting 2 weeks. But, this debt collector called my place of employment. Claim # XXXX. I 'm also getting a robo call once a day from them using various numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-12-09 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: GA

Complaint narrative:
I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. 
AES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place

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 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: PA

Complaint narrative:
My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 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: NY

Complaint narrative:
I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic.

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 — Keep getting calls about my loan
Company: AES/PHEAA
State: KS

Complaint narrative:
I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TJC Mortgage, Inc.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OR

Complaint narrative:
- When my loans transferred from XXXX to XXXX, I was told that all information including my XXXX plan information, my payment amount, and direct debit information would transfer with it. 
- My loans were transferred as of XX/XX/XXXX due to participation in XXXX - XXXX was not able to give me any information regarding my loans from XX/XX/XXXX through XX/XX/XXXX with no explanation ever given. 
- On XX/XX/XXXX, I was told that my payment amount would be $ XXXX, on an XXXX plan - I paid the XXXX amount and set up direct debit for the regular monthly payments - On XX/XX/2017, I paid a lump sum on a single loan that I wished to pay down the principal of. I chose a high interest loan that I wanted to pay down at an accelerated rate. 
- My online account continued to reflect a monthly payment of $ XXXX - XXXX week later, I received a letter in the mail, dated for XXXX/XXXX/XXXX, stating that my monthly payment would be $ XXXX, due to my XXXX having expired. I had renewed my XXXX in XX/XX/XXXX, with XXXX, so this did not make sense to me. 
- I called XXXX who were unable to explain why my online account still stated a monthly payment of {$290.00} and I got a letter stating {$2800.00}. They refused to attempt to contact XXXX to confirm that I had renewed my IBR. They stated that I had to pay {$2800.00} for XXXX ( which was XXXX weeks away ) or put loans into forbearance. 
- Therefore, I asked for PART of the lump sum ( {$2800.00} worth ) to be reallocated to the XX/XX/XXXX payment so that it would be covered while I reapplied for XXXX due to the error in loan transfer. 
- Instead of reallocating part of the loan, they instead just redistributed the lump sum to " pay my account ahead '' in spite of my express wishes to use the majority of the lump sum to pay down the highest interest loan. 
- I have called twice since this occurrence to ask the the payment be appropriately allocated, and they still have not corrected the error. 
- In addition, they received faulty information from XXXX that my loans had been in forbearance from XX/XX/XXXX through XX/XX/XXXX. This is inaccurate. I paid monthly PSLF-qualifying payments to XXXX from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX payments by my count. They refused to contact XXXX to correct this misinformation and have therefore given me no credit for XXXX PSLF-qualifying payments during the time I was at my former employer. I sent the documentation proving that I had made payments and have received no response regarding the matter. 
- At this point, I have called XXXX XXXX times and spent about XXXX hours of my time on the phone with them. I work as a busy primary care physician and XXXX hours of my time is approximately {$400.00} based on my hourly wage. Every time I call they state they will correct the error only to generate new errors or fail to correct existing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 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: IL

Complaint narrative:
I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!

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