vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 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 consolidated my loans in XXXX of 2009 to become eligible for the public service loan forgiveness ( PSLF ) program. The servicer at the time was XXXX. Despite documentation from XXXX that my loans were consolidated as income contingent in XXXX 2009, email proof I continued to argue for income contingent between XXXX and XXXX 2009, and documentation supporting that my payment should have been {$0.00} and qualified for PSLF, the current servicer XXXX has taken over a year to review my appeal. I have provided supplementary material twice and requested to see the documents provided by XXXX demonstrating I requested a forbearance when it would not be in my best interest and I have proof to the contrary. My requests for documentation have been ignored. Each time I provide material I receive an email stating that information provided by XXXX shows that my payments did not count -- yet I 'm not being allowed to view that information. This assertion, if not corrected, will cost me 7 months and XXXX {$3000.00}. I had an attorney send in a letter in XXXX via certified mail. We were afforded no response and I was required to re-upload the documents in XXXX despite having the mail receipt. 

This issue is similar to the issue I faced with XXXX where my repeated requests to lower my interest rate to 6 % were ignored. For 14 months I have been trying to find the number of payments and dispute those payments and I 'm being slow-rolled, kept in the dark, and provided with non-responsive answers. I am happy to provide your office with the letters I have written, the letter prepared by the attorney in the legal assistance office at XXXX, all of the enclosures backing up my arguments, and the non-responsive emails provided by the servicer. 

The cost of a lawsuit will most likely exceed {$3000.00} and the 7 additional months it will take before my loans are forgiven. I am being treated as if there is no recourse mechanism. I know there are XXXX other individuals facing similar issues with the PSLF program stationed in my area alone. For instance, if a servicemember pays just XXXX dollar more than what is owed, the payments do n't count and they tack months on the back end towards forgiveness ( that practice smacks of loan-shark-like tactics ). I had to fight for months to have my loans consolidated and I have to fight each time my loan is transferred. I hate to reach out for help but XXXX has exhausted my patience. Any help you could provide would be much-appreciated. 

My issues started after I consolidated into the PSLF program after I graduated from XXXX and started in the XXXX XXXX.

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 — Having problems with customer service
Company: AES/PHEAA
State: CT

Complaint narrative:
Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 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:
I began making payments on my {$44000.00} student loan balance in XX/XX/XXXX. I made 5 monthly payments of {$450.00}. Then, I asked FedLoan if I could be placed on a graduated repayment plan. I was told NOT to make my monthly payments while they worked to put me on the graduated repayment plan. It took them 7 MONTHS to put me on the repayment plan. During the time that I FedLoan took to transfer me to the new plan, my interest was capitalized twice - adding {$1500.00} onto the principal of my loan. This wiped out ALL progress I had made with the 5 previous loan payments, bringing my new loan balance to {$44000.00} on XX/XX/XXXX. This is fraudulent. 

Also, I called FedLoan on multiple occasions, speaking to different representatives, who all gave me different information during the repayment plan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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: NY

Complaint narrative:
Since XX/XX/XXXX, I have been going back and forth for months to have my request for income-driven repayment processed and approved. Finally, in XXXX I was told my application 'expired ' since it was not processed by FedLoan within 90 days and had to resubmit all documentation for the third time. I had been previously told otherwise and spent countless hours on the phone trying to figure out what was going on. In between this time, I was told that I had to pay a standard plan payment while I waited for a decision. Not being able to make a payment over {$1500.00} a month, I was forced to go into forbearance while interest accrued. They continuously provided me with confusing and contradicting information, specifically when recommending which plan to choose and about the status of my application. Anytime, I called back with questions I had to speak with someone else and received a completely different answer. Twice agents told me they were not sure why another agent made their recommendation as it did n't make sense. The lack of knowledge and errors is infuriating and unacceptable ; it not only takes time out of my work day but I am left clueless with no where to turn after each call. 
Due to the misguidance of multiple FedLoan Servicing customer service agents I start XX/XX/XXXX in the same place I was last year, misinformed regarding my loans and still receiving inconsistent answers. The question is do I give in and now pay the incorrect calculation in order to move forward ... Or continue fighting for complete, accurate, and up-to-date information about my finances? Student loan holders not be forced make this decision!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: NJ

Complaint narrative:
I am a co signer on a student loan the loan is not default they are calling my job XXXX an XXXX time a day please stop them from calling. P.S. THIS IS THE NUMBER THAT IS CALLING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 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: TX

Complaint narrative:
I have several loan types ( DLSTFD, STFFRD, UNSTFD ... ) and have applied for loan forgiveness through Fed Loan Servicing/US Dept of Education. I went through the very long and arduous process. Two months later I received a letter from FedGov stating my loans were " Paid in Full ''. The letter also showed the amount of my original loans and that my balance was XXXX on all XXXX loans. I called and spoke to someone who said this was correct, and that I had XXXX balance and would have no more payments. 
Two weeks later I get a call from XXXX XXXX ( who carried my loan ) saying my loans are now consolidated and will have a new amount to pay. I said " but I was told I had XXXX balance now '' and they had no idea what I was talking about and told me to call Fed Loan Servicing back. 
When I called Fed Loan Servicing back, they had no clue what letter I was talking about and said " we dont send out letters like that, we have no record of that letter ''. 
Every time I call them ( XXXX ) I get a different answer and can not get help. Please help me! I am a XXXX with my XXXX Degree and can not navigatge through this very confusing loan process!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: AL

Complaint narrative:
Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: MI

Complaint narrative:
I have XXXX Fedloans that became delinquent and reported on my credit XXXX and XXXX days late in XX/XX/XXXX and XX/XX/2015, I was then granted a forebearance for a date before the delinquency through the date of delinquency on XX/XX/2015. When I checked my credit reports from the XXXX credit reporting agencies, I noticed that those delinquencies had not been updated per the forebearance, as stated by law, any new information must be updated by the furnisher. I first contacted Fedloan and asked them to remove the delinquencies as the granted me a forebearance for a date prior to the reported deliqencies through the date of the delinquencies, and they did not update the information, then I disputed the delinquencies All XXXX credit bureaus showing proof of the forebearance and they did not update my information or make the fedloans properly respond to my dispute and is still reporting the information that is incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am currently enrolled as a XXXX in a school which is not receiving US Dept. of Education funding. When I applied to have my XXXX loans placed in deferment whil I am in school, all of them were - except for the ones serviced by American Education Services. AES claims that the originators of the loans ( XXXX and XXXX ) are the culprits, however, all of my other undergraduate lenders ( XXXX, US Dept of Education, XXXX XXXX ) had no problem deferring payments while I am XXXX. They ( AES ) cite YOU - CFPB - as their source of information. 

Furthermore, while awaiting a decision on my deferment status from this servicer, my monthly payments have fallen behind ( again, I am a XXXX - and can not have a job while in XXXX of the United States ) and now my parents ( who are XXXX and XXXX years old ) are receiving about XXXX harassing phone calls per day from these lenders - and are TERRIFIED that their home and/or car are going to somehow be placed in judgement and repossessed because of these trivial XXXX student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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: FL

Complaint narrative:
This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: NC

Complaint narrative:
I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Texas Guaranteed
State: TX

Complaint narrative:
Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again

Company response to consumer: Closed with explanation