vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 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:
I submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have an HSA account with HSA Bank. On XXXX/XXXX/16, I submitted paperwork to close the account and transfer the balance to my new HSA account. I have an email from the person I sent the paperwork to confirming that they received it and forwarded it on to their operations for account closure on XXXX/XXXX/16. On XXXX/XXXX/16, I logged on to the account to see if the transfer was completed. I noticed I was charged a {$2.00} service fee for the cash portion of the account on XXXX/XXXX/16 I ( which seems acceptable considering the paperwork was just submitted that day ). However, I noticed I was also charged a {$2.00} fee on XXXX/XXXX/16 for the investment portion of the account ( which was never actually opened or invested when XXXX HSA transferred to HSA bank ). This charge came11 days after the account closure form was submitted and received by their operations. I understand if the transfer was not completed, but there should have been a control to turn off fees by this point. After seeing this fee, I called HSA bank on XXXX/XXXX/16, to see if something was wrong with the paper work. They told me they were behind and it should be closed soon. On XXXX/XXXX/16 I received an email from HSA bank asking that I contact HSA bank. I called that day and was told I had to provide verbal approval to close the account, which I did that day. I do n't understand why I had to provide verbal approval after clearly trying to close my account twice already. I logged on to my account XXXX/XXXX/16 to see if the account had been closed. It is still open and I noticed that I was charged another {$2.00} fee for the cash portion of the fee and I know that any day I would have been charged another {$2.00} fee for the investment portion. I called XXXX/XXXX/16 and asked why I am being charged fees 33 days after submitting account closure paperwork and why my account is still open 42 days after submitting account closure paperwork. They told me they are about 2 months behind on account closures. This means they are making {$2.00} to {$5.00} a month from who knows how many people that have attempted to close their accounts. This is n't even mentioning the fact that I have lost potential investment gains on the close to {$8000.00} that would be invested at my new HSA account if the money were transferred in a reasonable amount of time. They said they would make a note to stop charging me fees, but we will see what happens and how much longer I have to wait to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-17 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: WI

Complaint narrative:
My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: KS

Complaint narrative:
To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: PA

Complaint narrative:
After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: VA

Complaint narrative:
I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quad Corporation, Inc.
State: IA

Complaint narrative:
I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: FL

Complaint narrative:
A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?

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 2016-08-30 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: MD

Complaint narrative:
I noticed that there are at least XXXX school loans on my credit report when there should only be XXXX listed open/current/deferred because I am in school until 2020 and they do not have to be paid until then. I am writing you to ask that these accounts that are closed/paid off/transferred be removed as they are effecting my credit. Alot of those loans has intercepted my taxes and is paid off. I am in school bettering my education and is looking forward to improving my credit. With all these negative accounts its making it hard for me to move forward with my life. Due to hardships being in and out of work because a lot of my jobs were short term assignments it made it hard for me to pay off my loans. I ask that you please update or remove my accounts to good standings. With my reports saying I 've missed 12 payments, 10 payments, etc it makes it hard for me to actually get approved for anything. I have been disputing with each credit bureau and I 've been getting nothing but the run around. I 've been hung up on, transferred to different numbers, I 've also disputed and still nothing good has happened. I 've been looking for jobs and right now I 'm receiving financial support for me and my child from family members. I just want to get my credit straight and I believe this is why I cant get a job and I cant get approved for anything because these are reporting delinguent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: APPLE RECOVERY, LLC
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.

Company response to consumer: Closed
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA
State: CT

Complaint narrative:
National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.

Company response to consumer: Closed with explanation