vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 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

Complaint narrative:
My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
hi, scott, parnell & associates has threaten to sent an undisclosed agent harassing me at all time of day and night. the bill was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Performant Financial Corporation
State: MD

Complaint narrative:
I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: OUT TECH, INC.
State: PA

Complaint narrative:
continued payment request for services of which have been paid. Proceeded to falsely contact the credit reporting agencies, effecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.

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 2016-05-18 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: KY

Complaint narrative:
Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I consolidated my student loans with XXXX. I have request all 3 credt agency and Nelnet, XXXX to be removed from my credit report. Now they are showing red marks. I am denied credit because of the loans that hve been satisfied. They all are on my report showing a huge negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX XXXX children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been XXXX month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I feel that my bank chase is withdrawing money or fees for insuffent funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: ME

Complaint narrative:
In 2006 I cosigned a private student variable rate loan. The interest rate at the time was 8.68 percent. Today the rate is 8.75 percent .Even though the prime rate has gone down substantially the last 10 years the rate on the loan has not been reduced. It seems that the rate should have dropped. I have called the company and they have not given me a satisfactory answer. I think there is fraud here. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have contacted Them at least 4 times to ask for documents to explain why they did not comply with Federal Law 15-USC 1681 623a7 and UTAH LAW UTAH XXXX. XXXX XXXX SEE ATTACHED.. All I did was ask them to proof, they have ignored all my request. in addition they have been notified that the other credit reporting agencies have corrected this error, yet they have a calloused disregard for following the law. I have attached a letter from XXXX telling me that info.

Company response to consumer: Closed with explanation