vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I was an authorized user on this account. I filed a personal bankruptcy in XXXX and including this account. It is currently showing open and in collections. Also the company has reported to the credit agencies that the last deliquency was reported in XXXX which is also false. The last date of delinquency was in XXXX XXXX. It has been over 7 years, this item should be removed from my credit profile based on the all the facts above. 
1. I was an authorized user2. It was later including in a Bankruptcy3. It is pass the statue of limitation of 6 yrs to collect and 7 years for derogatory credit reporting. 
I have tried every I know how for several years to get this deleted from my credit file with no resolve. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 2017-01-11 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 submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: AES/PHEAA
State: MD

Complaint narrative:
I received a complaint by this company trying to sue me over student loans from 2006 and earlier. I have no recollection of these so-called accounts and they have went as far as to hire attorneys in XXXX XXXX and begin suing me for what they claim I owe over $ 200XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: MD

Complaint narrative:
I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: NC

Complaint narrative:
I submitted paperwork to recalculate my student loans for repayment on XXXX XXXX, 2016. This is also part of the annual re-certification process to justify being on an income-driven repayment plan and to determine how much is owed for that year. It 's about to be XX/XX/XXXX and I still have not switched to a new repayment plan. Instead, I 've been arguing with Fedloan Servicing on a monthly basis, sometimes twice a month, to try to figure out why I have n't switched to a new repayment plan or been placed on the lowest repayment option. Each time I call, they will say something like, " You need to be in forbearance for a month and pay the minimum of {$5.00} until we recalculate the new repayment plan. '' I agreed to only pay {$5.00} ; however, the online portal will send me a reminder to pay the interest and it will show that I am going to have a direct debit withdrawal for over {$400.00} despite saying that only the ~ {$30.00} interest is owed. Instead, I just paid the interest figuring it would cover the {$5.00} and told them to suspend the direct debit. I also requested to move my direct debit to the XXXX of each month to split up my other student loan repayments. Each time I have called, they tell me that I am still in forbearance and that I need to pay {$5.00}. Months later, it says I owe over {$700.00} and I am now delinquent in payment - this XXXX because my credit score is high ( ~XXXX ) and I want to buy a car this year. They still have not switched me to my new income-driven repayment plan even though I started the process 4 months ago. When I called them the other day, they told me it 's because I paid more than the agreed upon {$5.00} and the system switched me to a standard repayment plan. This was not told to me and makes no sense as to why it would operate in this manner. Their process is shrouded in mystery and is meant to confuse and have individuals pay interest and stall the r-ecertification/new repayment plan process. They are stating that I owe ~ {$30.00} for interest and I have an upcoming direct debit in the amount of {$400.00} with a total of {$770.00} due. This means they have also re-activated the direct debit withdrawal feature WITHOUT my permission. I can not budget each month because I 'm uncertain what I owe. I am on the student loan forgiveness, too, so this is impacting that program. At this point, I just want to go back to what I was paying because I 'm so sick of dealing with them. But what I really want to do is sue them for how they 've handled my loans and capitalized off of interest payments by confusing me and, more than likely, several other borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I received a email from this Agancy Voss & Klein collection agency, who I have no idea how they got my email address. The bill was XXXX $ however the bill from the dental office was only XXXX $ which I received a statement 1 week before the collection agency emailed me. I felt this company is illegally billing which they did last yes when I paid XXXX $ for a XXXX $ debt from the sane dental office. And would n't except a settlement amount from me when I asked for one. Please investigate this company. I pay my bill if their when the law and this bill is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: IL

Complaint narrative:
Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 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: CA

Complaint narrative:
I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: OR

Complaint narrative:
I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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: TX

Complaint narrative:
AES is not being transparent in servicing my loans. There are XXXX loans serviced with my account, but they continue to apply my payments to only XXXX ... RATHER than to all XXXX ; therefore resulting in unnecessary late fees and a barrage of phone calls. AES calls my family, friends, and me about 10-20 times per day using BLOCKED phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Quad Corporation, Inc.
State: IA

Complaint narrative:
I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal. 
.

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 2015-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: LA

Complaint narrative:
The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA 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