vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: PA

Complaint narrative:
I was informed in early XXXX that my loans would go into repayment soon because my school notified the clearinghouse that I went below part time when I in fact did not. I have been enrolled part time since 2014. I called my school 's financial aid department and filled out an enrollment verification and the clearinghouse should have been updated of my part time status. I was provided with a copy of the verification. I received an email last week stating my AES account was still delinquent. They informed me that they were never made aware of my part time status and that to their knowledge I was still attending under part time. I spoke with a woman on the phone who said that my account could be deferred and that I would have to sign a paper coming in the mail. AES proceeded to deduct {$300.00} from my account the following day. I expressed to them in prior conversations that I am enrolled in school and am currently unemployed and can not afford to pay my loans at the moment and they still deducted money anyway. I was told by AES that I signed an authorization a few years ago allowing them to auto debit my account. My other qualm with this whole issue is that I was under the impression that I go into repayment 6 months after classes end, if they were made aware that I was no longer part time ( even though I am ), why was I not afforded that 6 month grace period? My checking account was overdrawn leaving me in a precarious situation with XXXX children to care for and living on XXXX income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!

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 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Business account with Sun trust linked to credit card was placed in overdraft status due to problem with credit card syst em Being offline. 

As a result My account was charged over {$700.00} in overdraft fees.

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 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: NY

Complaint narrative:
I missed a few payments on XXXX private loans managed by American Education Services ( AES ) while I was sick. When I was told the XXXX loan would default, I began making payments and quickly paid off the past-due amount. However, by that time, XXXX of the loans had already been placed into default. For that loan, I received no communications - at all - about past due amounts or a warning that it would be put in default. I confirmed with AES that there was no communication received regarding that loan. I contacted AES in writing to request the loan be taken out of default, because I was not notified of the past due amount or the default, and to make my payments current. I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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: CA

Complaint narrative:
I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AES/PHEAA
State: CA

Complaint narrative:
I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing 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
Consumer complaint received 2016-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Enterprise Systems, Inc.
State: NM

Complaint narrative:
National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: NY

Complaint narrative:
I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 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 am currently in XXXX so my loans are in repayment. I have both federal and private loans I 'm trying to get ahead and have been putting any extra money towards my loans. AES manages my XXXX private loans. While examining their payment history tab I 've discovered that all my payments have been going towards interest. As you know interest payments are useless. It 's principle payments that help get the balance down on loans and save you interest. In the payment screen there is no option to direct your payment whether it be interest, principle, or mix. The only option is to direct which loan you want the payment to go. I feel like I 've wasted my hard-earned money. This loan servicing company should allow you to decide how you want YOUR payments handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: PA

Complaint narrative:
I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: SC

Complaint narrative:
I cosigned a student loan for my daughter with American Education Services. The payments were {$60.00} per month, and I was sending {$100.00} figuring the overage would be paying down the principal. I started receiving monthly statements showing no monthly payment necessary. I called to question this as the balance was not going down yet the amount of interest paid was going up. When I finally spoke with someone he said that i was paid so far ahead that no minimum payment was necessary but the interest was still accruing. I explained that the overage should have been applied to the outstanding balance not to future payments. I kept trying to get in touch with someone farther up the ladder to get this straightened out. But no one would return my calls or letters. I started repaying this loan in XXXX and as of XXXX XXXX I had paid {$5400.00} dollars in interest, {$2700.00} in principal, and had a remaining balance of {$5200.00} at 7.41 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
Calling my work frequently after being asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.

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 2015-08-25 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA
State: AR

Complaint narrative:
I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.

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 — Need information about my balance/terms
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation
State: MA

Complaint narrative:
Caller requested name, DOB, address, and SSN # before he would tell me why he was calling. He also asked for my wife 's demographic information. I asked for a callback number to verify him. He refused to provide a callback number. He then called my wife at her work number and attempted the same thing. Luckily her office assistant worked interference.

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 non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO

Company response to consumer: Closed with explanation