vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 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 have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.

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 non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: MA

Complaint narrative:
I am filing a formal complaint against, FedLoan Servicing, due to its continuing failure to process my application for the new Revised Pay as You Earn Plan ( REPAY ) in a timely and accurate manner. 
On XXXX XXXX, 2015, I successfully submitted my application to switch from a standard Income Based ( IB ) plan to the new REPAY plan via StudentLoans.gov website. Shortly thereafter, I received an email confirmation from FedLoan Servicing. However, after to calling customer service nearly XXXX different times over the past 87 days, FedLoan Servicing has still not processed my application for the REPAY plan. On XXXX XXXX, FedLoan Servicing sent me erroneous and incomplete repayment terms. After speaking with both a customer service associate and supervisor, I was told that FedLoan Servicing incorrectly processed my application and that it would need to re-process my application. The supervisor, XXXX-employee # XXXX, assured me that my application would be prioritized and quickly processed after I paid an amount of {$250.00}. Yet, after I successfully submitted this payment on XXXX XXXX, FedLoan Servicing has still not processed my application nor has it provided my with any additional information, instructions, or guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 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: MS

Complaint narrative:
* Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )

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 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AES/PHEAA
State: CO

Complaint narrative:
National collegiate trust bought out my student loans and claimed I am I 'm default from loans that were purchased in 2005. I have mad several attempts to get this business under fire for their wrongdoings and wo n't stop until I do. There is nothing stating I must stay in default and have my credit ruined by a collector XXXX. The loans were originally serviced out of XXXX and I live in XXXX. Somewhere this loan stops here. I even tried to send a complaint to the XXXX on this company to which I was told down at exist. I have a screen shot of the initial letter that states this. How am I paying to a company that does n't exist or when trying to locate even simply through XXXX wo n't come up? I refuse to stay in default for over 4 years. Something needs to be done. XXXX XXXX and XXXX has my loans and if you do n't answer then I 'll go after them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: TX

Complaint narrative:
This letter is a formal complaint that American Education Services ( AES ) is reporting inaccurate credit information. 

I am very distressed to find that AES has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, AES has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearances and deferements after XX/XX/XXXX. Since the late payments were posted to my credit report XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. 
I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both AES and the Office of the Ombudsman explaining that I have worked extremely hard to keep my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. 
During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.

Company response to consumer: Closed
Consumer complaint received 2016-05-25 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: UT

Complaint narrative:
For multiple months my cosigner and I have been trying to get him removed from my loan as a cosigner! We have been told multiple times that I needed to make 48 pmts to be eligible! On XXXX XXXX, 2016 I made my 48th pmt but received a letter today stating that I had been denied for cosigner release because I had not made 48 pmts because one of those pmts was late! I found out that the late pmt was made when I switched my direct debit account even though it had been approved on the XXXX and my pmt was due the XXXX, they did not debit the XXXX out and I was late by 10 days because I was unaware! I spoke to XXXX customer service reps and a supervisor all confirming that this was fine and would n't matter because it was there mistake! After speaking to another XXXX representatives and a supervisor liaison today, I was yelled at, threatened to be hung up on, and placed on hold for several minutes! I was told that even though it was there fault they still denied it! American education services stated that my loan was through national collegiate trust and they were the ones that denied it! I asked for their contact information and was told they did n't have any contact info for them even though they were collecting a debt for them! I also asked for the promissory note giving them permission to collect on this debt and they refused to provide it! I asked to speak to supervisors and they refused to let me speak to anyone! There are multiple complaints online regarding this company and the scam they are pulling! I 've been paying on this loan for over four years and my balance has only decreased by very little! This company is scamming people and will not work with anyone or provide any information regarding my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: PA

Complaint narrative:
Each month I make my {$560.00} payment on time. I am never late. I have an automatic payment scheduled with my checking account. Every month when I receive my new statement from Fedloan Servicing. My " Principal Satisfied '' changes from very low amounts ( that do n't make any sense ) to what could be looked at as reasonable amounts. My concern is that I am being cheated on how much is credited to my principal each month/payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
I attended XXXX University from XXXX as an XXXX. I was under the impression that my student loans were federally owned. After I graduated, it came to my attention that a portion of the loan was owned by National Collegiate Trust. I had not made any payments between XXXX and XXXX, and the loan was in danger of default. I began making regular payments and have done so, in full and every month since late XXXX-early XXXX. Unfortunately, not only has the loan balance not decreased, it has increased. According to my most recent statement, the original principal loan amounts were for {$4200.00} and {$120000.00}. I have paid {$2100.00} and {$10000.00} in interest, respectively. Yes, it seems that the interest amount is nearly the same amount of the loan. Only {$1700.00} and {$3900.00} have been applied to the loan principal. As of XXXX/XXXX/XXXX, I still owe a balance of {$4300.00} and {$15000.00}. In sum, the original loan was for {$16000.00}. I have paid an aggregate amount of {$18000.00}. I still owe {$19000.00}. After 8 years of consistent payments, how is it possible that I still owe more than the original loan balance? What kind of interest rate gauging and manipulation is in practice in order for this to happen? How is it possible to be charged nearly 100 % interest for a loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: CA

Complaint narrative:
All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.

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 2016-10-23 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:
Once again, Fed Loan Servicing is failing to follow directions. I submitted a " do not pay ahead '' notice and received acknowledgment as I requested via email : RE : Payments [ XXXX ] XXXX XXXX, XXXX at XXXX XXXX From XXXXXXXXXXXX According to our records an email response was sent on XXXX XXXX, XXXX regarding removing Paid Ahead status from your account. On XXXX XXXX, XXXX your Standing Instructions were also approved. If additional assistance is needed, you may reply to this email or contact our customer service department. For your convenience, our contact information has been provided below. We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX XXXX XXXX XXXX. 
Sincerely, XXXX FedLoan Servicing Today I received the following letter, dated XXXX XXXX, XXXX : " You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XXXX/XXXX/XXXX for {$100.00} '' Their incompetence is exceeded only by their devious business practices. I told them to continue taking {$150.00} each month as directed because the extra money I sent was to pay down the loan. I made this abundantly clear to them when speaking to a customer service person who directed me to send a check with that request on it, which they promptly disregarded. I then filed the notice and received acknowledgment of receipt of it. The fact that they continue to ignore my legal instructions is infuriating. I need your help in bringing them to justice. Thank you. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Our refi loan is subject to PMI. The loan was initiated in XXXX XXXX with XXXX XXXX XXXX, sold to XXXX within the first month, then sold to XXXX in XXXX of XXXX. Within the PMI Disclosure ( Fixed Rate Non-High Risk Loan ) signed at closing it gives two options for PMI termination. 1 ) upon 80 % LTV we can request termination of PMI and 2 ) automatic termination at 78 % LTV. The Original Value of the home based upon a XXXX appraisal was $ XXXX. In the case of the first, we requested termination in XXXX at which time an appraisal was requested by the lender who contracted with an appraiser, this is allowed by the terms of the PMI Disclosure. The appraiser did not know this market, was officed XXXX miles away, and pulled inappropriate comps leading to a XXXX appraised value of $ XXXX. We contested the value but determined the hoops to jump not to be worth the work and cost. We left the matter be as Option XXXX, automatic termination upon 78 % LTV based upon " the original value of the property '' was imminent. Suntrust now refuses to remove PMI stating the XXXX appraisal does not warrant removal. We have explained that the XXXX appraisal is immaterial as the Automatic Termination clause states " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date '' - We are current with our payments and have never been late or delinquent. Further Original Value is defined in the Disclosure as " If the loan is a refinance loan, 'original value ' means the appraisal value of the property relied upon to approve the loan ''. As per the PMI Disclosure this date is XXXX XXXX, XXXX. CFPB 's assistance is required to ensure Suntrust Mortgage adheres to the terms of the PMI Disclosure they bought when they bought our loan.

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 monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I am trying to pay my un-subsidized portion of my student loan off. It is with AES and I can not get a straight answer on how to go about this. I was told I had to mail a check to the lender at a specific address, but then I was told that I should not have sent it to that address. I can not get a direct answer on how to make any extra principle monthly payments and have even been told that this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: AL

Complaint narrative:
I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.

Company response to consumer: Closed with non-monetary relief