vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: AL

Complaint narrative:
I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Professionals, Inc.
State: AZ

Complaint narrative:
The debt was paid but it has not been updated as paid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.

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 2016-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vantage Sourcing, LLC
State: CT

Complaint narrative:
Vantage Sourcing claims I owe XXXX to XXXX XXXX, I have never been with XXXX and use XXXX currently and have been for quite sometime now. This is a ridiculously high amount even for a cell phone, I suspect the account is a family plan as the charge can not be for on line alone. I also believe that Vantage Sourcing has added on charges and or fees of their own as this amount is still too high for a family plan, I have never in my life had such a high utility bill even for gas, electric or cable. This is obviously fraud and someone used my name to open the account, possibly a relative. I have a cousin with the almost the same name, he goes by XXXX XXXX with no middle initial. My name is XXXX XXXX XXXX, the notice came in his name. I can not be for sure, however, I think he opened the account using my social security number. He might have done this as he may or may not have good enough credit to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: KY

Complaint narrative:
AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Enterprise Systems, Inc.
State: PR

Complaint narrative:
Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.

Company response to consumer: Closed with explanation
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:
Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: FL

Complaint narrative:
My student loans are in the income based repayment status with {$0.00} due each month. The loans were dispersed XXXX months apart from another while still in school. Somehow my student loans are reported to the XXXX credit reporting agencies as being delinquent back in the beginning of repayment when I was covered by a forbearance waiting for approval of my income based repayment plan application. After disputing this for XXXX years, I finally was awarded a dispute victory for XXXX of my student loans but the other loan is claimed to be reported as accurate. My reasons for dispute have not changed in the past five years yet all of a sudden the results changed. The largest that I carry is my student loans. I am unable to get financing for my XXXX that I started just over XXXX years ago due to the only loan that I carry being an adverse status which is incorrectly reported but claimed to be correct. Not sure how this is especially when it 's a federal government student loan so the federal government is the one reporting the information is accurate when it 's inaccurate and preventing me from accessing Capital to grow my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: OH

Complaint narrative:
I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust. 
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.

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 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Credit Karma, LLC
State: OH

Complaint narrative:
there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.

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 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sold a utility trailer to someone 15 years ago. They never registered it with California DMV. Now they have received XXXX parking tickets from the City of XXXX XXXX for parking in a street sweeper zone. I went to DMV and had them stamp non-responsibiltity statement and sent it to the City of XXXX XXXX XXXX Department. The stamp is not back dated to 15 years ago, so the City of XXXX XXXX turned me into collections for the parking tickets that are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.

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 2016-03-07 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: FL

Complaint narrative:
FedLoan granted me a deferment yet wont update the granted request through the credit bureau ( XXXX, XXXX or XXXX ). When companies view my report they are under the impression that I never paid which is causing a late payment report from 30-120 days late under a total of XXXX different accounts. this is a double standard as to what was granted to me. I have suffered from this Fedloan servicing admission of falsely reporting to companies for over 3years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: NY

Complaint narrative:
XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: WA

Complaint narrative:
I had to get a private student loan my first year of college, I went to XXXX. They sold my loan to " American Education Success ( AES ) ''. I am trying to get a long term loan repayment modification to get my monthly payments down to a reasonable rate because I do n't make enough money to be paying their full monthly payment on top of my other loan service providers ( for context I have over $ 100k in debt, Thanks America. ) First they call me saying I did n't put in the correct count of loans I have ( I 'm paying for all my loans including the ones 'technically ' under my fathers name because they are Parent PLUS loans ), which is super petty ... but anyways I fixed it according to what I discussed over the phone and emailed them that SAME day. Now, a month later I get an email saying they never received anything and they 're denying my request. So I frantically call them ... AGAIN. She says a note was put on my account that on XX/XX/XXXX ( I emailed them with the corrections on XX/XX/XXXX ) that nothing was received. So I correct the employee on the phone and told them to look again. She comes back after putting me on hold saying they did in fact receive my email ( so now they 're liars ), but no one would tell her why now I 'm getting told I never submitted anything ; and that my account would have to be put under review. This review will supposedly take another 7-10 days. Guess what 's due conveniently that soon? Oh yea, my next loan payment. At this point they are purposely stalling to get more full monthly payments out of me. I DO NOT have the money to sustain this B.S.. AES is a scam and need to be reported for fraud.

Company response to consumer: Closed with explanation