vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 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: DC

Complaint narrative:
My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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: OH

Complaint narrative:
I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-05 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:
I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
The federal student loan interest rate is too high for borrowers, which does not provide incentive for Americans to pursue a higher education or enable them to save for their future. Moreover, if a borrower consolidates their federal loans, the interest rate becomes fixed for the life of the loan, locking in the borrower for years of repayment with high interest. This discourages Americans from pursuing higher education opportunities and does not enable borrowers to pay back loans in a reasonable time frame. High interest rates do not allow Americans to pay back their loans in time to save for their future through investing in a home, retirement or saving for their children 's education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.

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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.

Company response to consumer: Closed
Consumer complaint received 2016-04-01 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: MA

Complaint narrative:
I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I was previously married and as of that i resulted in having my last name changed to his about 5 years ago and now i am seeing hospital bills on my credit report that are not mine. I have not been to a hospital in years last time i checked out of one was one year and a half ago and i had medical insurance. I need help to get this straightend as i am trying to build my credit. Thank you.

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 2016-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.

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 2016-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CO

Complaint narrative:
I have loans being serviced by Myfedloan. I am in an Income based repayment plan and have outstanding interest, which according to the IBR does not capitalize unless I no longer qualify or change plans. This year when I renewed my IBR, Myfedloan first claimed I no longer qualified, and then later that same day approved my IBR renewal. I happened to catch this because I was watching my loan closely. When they denied my renewal the interest capitalized and did not go back to interest with the subsequent approval. This seems like a very sneaky way of forcing interest to capitalize and, while this could have been a one off mistake, if it is being done systematically it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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 over $ XXXX in loan debt operated by FedLoan Servicing. I have made nearly $ XXXX in payments over the past 5 years, and it has gone strictly to the unpaid interest. No portion of my payments have reduced my principle by a single cent. This is outrageous. It does n't support students, it exploits them. There is no other type of loan that operates this way. My monthly payment is nearly $ XXXX per month, but my principle balance has n't changed in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.

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 2015-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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: WI

Complaint narrative:
On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 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: MN

Complaint narrative:
My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed a XXXX account. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming it was verified. So on XXXX XXXX, 2016 I sent a method of verification letter to Experian while at the same time I sent the XXXX XXXX XXXX XXXX a XXXX request ( letter was mailed on XXXX XXXX, 2016 ). I sent the letter Certified to make sure it arrived on time. tracking # XXXX. It has now been more than 25 days since Experian received the letter & over 30 since the XXXX XXXX XXXX XXXX has received theirs. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question. I challenge them on all their merits. If the facts are accurate & this is truly my account. Then other questions arise ... How does an account display a 90 day late without first publishing a 30 & 60 day late previously to the 90?. This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. Please remove this item from my report at once ...

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: LA

Complaint narrative:
I did not authorize these company 's to pull my credit. These inquiries were not made by me.

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