vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 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: NJ

Complaint narrative:
Last year my student loans came into repayment. I got an income driven repayment plan which brought my payments down to {$250.00} per month. This year I did my recertification and due to the sale of a vacant lot which was a money pit for me, my adjusted gross income went up to XXXX. The money was used to pay down my credit cards. I do not have this money any more. Now my oldest son 's loans are going into repayment ( PARENT loans ) ( He graduated on XXXX XXXX, XXXX ) which brings my monthly payment to {$1000.00}. roughly. I pay {$1000.00} for rent, {$1000.00} on a personal loan, and with this payment amount for the student loan. Totaling {$3100.00} per month. My paycheck is {$1600.00} biweekly. totaling {$3300.00} Take the three payments and I 'm left with {$180.00} to pay gas, electric, cable/phone, credit cards, medical expenses ( I have a number of conditions XXXX ), bus fare, and food. I thought they are supposed to make this affordable. This will put me in ruin. I want to make the payments, but I ca n't and do n't have the money to pay this high amount. It 's impossible. I 'm the only one who is working in my home. My husband has not worked since XX/XX/XXXX due to an accident. I 'm it. I need assistance to get this lowered. I am not trying to get out of it. I just want it to be affordable and that it does not put me in a bigger whole. I still have credit cards even though I paid them off, I do n't make enough to pay the bills so I have had to use them again. This is putting an incredible amount of stress on me which affects my pain and my diabetic sugar levels. The first payment is due XXXX XXXX. I have rent to pay on the first and my personal loan on XX/XX/XXXX. How do they expect my family to survive. My servicer is FEDLOAN.ORG This is excessive. I do n't want to file for bankruptcy and wo n't. I do n't want to jeopardize the loans for my youngest son. I will pay but the repayment they are seeking is impossible. I tried looking for another job but they all want me to take a $ XXXX pay cut. I am an expert in my field but no one wants to pay what I am worth. Not even what I make now. My contact number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
I applied for REPAYE on XXXX XXXX, 2016, through studentloans.gov. I just discovered today ( XXXX XXXX ) that my request was denied on XXXX XXXX by my servicer ( Fed Loan Servicing ) because I have a deferment. First, Fed Loan Servicing never sent me any mail or email to tell me the application was denied. I only found out when I happened to log into their website to check my account and saw the notice there. I searched my email I never received anything from them about the denial. Second, the application was improperly denied. The Income-Driven Repayment Plan Request application specifically includes a question ( # XXXX ) about whether the applicant is in a deferment -- and I check " Yes, but I want to start making payments under my plan immediately. '' Therefore, Fed Loan improperly denied my application and should have granted it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I tried looking up my credit on creditkarma and could not get it to work until I tried using my father 's name with my social security number and it worked. I need to get my father 's name off of my credit report and social security number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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:
This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: AL

Complaint narrative:
I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 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: WI

Complaint narrative:
I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: LA

Complaint narrative:
I began the consolidation process with Fed Loan Servicing XXXX XXXX XXXX after XXXX. I called Fed Loan Servicing and spoke with a customer service representative. I asked what my student loan payments would be if I consolidated all of my students loans with XXXX servicing center and was initially told that payments would be between $ XXXX {$400.00}. At the time, I realized that I had many student loans and this would work for me. After completing the paper work, I was sent notification that I qualified for Income Based Repayment and that my payments would be approximately $ XXXX, a little more than I expected, which I accepted. I then received notification from XXXX that I had additional students loans and made arrangements to have those loans consolidated with the other loans through Fed Loan Servicing Center. In the meantime, I put my loans in forbearance and was scheduled to begin payments in XXXX XXXX but realized that my payments had increased from $ XXXX to $ XXXX. After speaking with several customer service representatives and XXXX supervisors, I was told by XXXX, the last supervisor ( ID # XXXX ) with whom I spoke, that the increase was because the servicing center had initially put my loans in the wrong program. I spoke with a customer service representative who admitted this ; however, I do n't think that she was supposed to admit it since I had spoken with XXXX customer service representative and a supervisor before her who did not indicate that a mistake had been made. XXXX admitted it only after I had spoken with her and demanded that she forward me to a supervisor. I was told that I did not qualify for Income Based Repayment because of a {$6000.00} Parent PLUS Loan that was included in the initial consolidation and that my account was put into the Income Contingent Program when the additional loans were added and Fed Loan Servicing recognized their mistake. I did not receive notification of this initial mistake. I did ask that the servicing center choose the lowest payment program in my initial application but would not have agreed to these terms because I can not afford it. I knew the payment would increase but I assumed it would be based on the Income Based Repayment program and that it would not almost double. I have asked if I can appeal the terms of the loan consolidation since Fed Loan Servicing admits they made a mistake and was told there is nothing they can do. They offered to continue to put my loans in forbearance ( every 90 days for 3 years ) until I can afford to pay the $ XXXX. I also asked that this company work on having customer service representatives provide accurate information and was told that they were sorry I had not be given the correct information. I would like to have the Parent PLUS Loan removed from the terms of my consolidation loan so that I can qualify for the Income Based Repayment program on the remaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I went to a XXXX. I took out a private loans that the school owns. I transferred to another school my XXXX semester because the other XXXX school had XXXX loans. while I was in XXXX at the new school my XXXX loans were now in repayment I was thought that while i was in school my loans would not be on repayment. I had XXXX more years of XXXX. I am now in default for XXXX loans with XXXX. I just graduate XXXX XXXX,2015. I did not get into XXXX. I am currently looking for a job.My mother has been paying {$50.00} a month direct deposit. AES took out over {$3000.00} without my monther permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: TX

Complaint narrative:
I currently have XXXX private loans owned by NCT and serviced through AES. I proudly served in the XXXX XXXX and have been since deemed XXXX XXXX and I would like to apply for a XXXX discharge of these XXXX private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: OH

Complaint narrative:
XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please

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 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Performant Financial Corporation
State: AL

Complaint narrative:
I consolidated all my student loans with USDE aka XXXX as directed by my college counselor. After I consolidated, XXXX XXXX servicing continued contacting me after I sent proof that I had consolidated, since they would not accept my consolidation with XXXX, we set up a separate repayment agreement with XXXX XXXX. XXXX XXXX then hired Performant Recovery who sent mail, called my cell, called my job 2-3 times everyday where I was eventually fired due to harassing calls. After updating all my info with XXXX and Performant Recovery to establish a new IBR or qualify for a forbearance, Performant Recovery hired XXXX XXXX XXXX XXXX who ruled on a judgement to have my wages garnished where I was not present to defend myself.

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 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Attached are screen shots of my XXXX XXXX online bill pay from when the mod period started and a copy of the BofA check. I had to pay {$16000.00} before the XXXX of each month. XXXX was paid on time in XXXX, XXXX and XXXX XXXX XXXX paid in XXXX, XXXX and XXXX by the XXXX of the month - so on time. The amount was slightly adjusted in XXXX 2016 to {$16000.00}. 
XXXX 's positon is that they bought the loan during the modification trial and I was technically still late on my payments as the trial was not completed and new loan docs were not yet issued by them and signed by me. If I 'm late, even if still in a still period, they say they need to report it. As a Fay policy they wait 60 days before reporting lates and this would have brought me to about XXXX XXXX ( the loan was bought on/about XXXX XXXX. When my 3 month mod trial was completed at XX/XX/XXXX, they took SEVEN weeks to get me the docs and I signed them right away XX/XX/XXXX. If they rolled me into a new loan in XXXX, as agreed to, they would not have reported me late because the new loan was in place and I was still within their 60 day window before reporting lates on newly acquired loans. When I told XXXX XXXX at Fay Servicing that their 7 week delay caused this, he just said " getting loan docs out takes time ... '' I did everything I was supposed to and am being penalized heavily due to their inadequate processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: United Military Mortgage, LLC
State: TX

Complaint narrative:
We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting. 
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation