vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.

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 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDWEST EQUITY MORTGAGE, LLC
State: IL

Complaint narrative:
The lender is responsible for creating an escrow account for home insurance and taxes payment. The lender created a fake invoice for home insurance and sent the fake invoice to the closing company. This caused me to almost miss my premium payment for home insurance. The lender also misrepresented the city tax, and caused me to pay nearly double in property tax as mandated by the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: LA

Complaint narrative:
I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.

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 2016-12-29 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:
In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.

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 2017-02-13 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: OR

Complaint narrative:
XX/XX/XXXX, I applied to FedLoan for an income driven repayment plan, and was put on one. I made XXXX payments, and then my plan was canceled. I do n't know why it was canceled abruptly. FedLoan placed me on a standard repayment plan, and I am unable to make those high payments. I contacted them through their website and explained that I was on an IDR and to please send me the application so I can get back on one so I can make payments. I never received a response to that request, or to the following XXXX requests for an application and my statement to them that I work part-time and can not make those payments. They have harassed me every month for payment. 
XX/XX/XXXX, they billed me for over {$1300.00}. On XX/XX/XXXX, I called and talked to someone who emailed me the IDR form which I completed and promptly mailed to them. I received an email on XX/XX/XXXX acknowledging receipt of my application for an IDR. On XX/XX/XXXX, I received four letters from FedLoan in my paperless inbox in their website that make my head spin. One says that I requested to be removed from my IDR and put on a standard repayment plan. I did not make this request. Another says they put me on an administrative forbearance. Another letter says that my IDR will start in XX/XX/XXXX and my monthly payments for the next year will be {$11.00} which I can make. However, they are dunning me for payments under the standard repayment plan that I did not request! Why would I request that repayment plan if I ca n't make the payments? I have the application where I requested an IDR, and the letter I sent with it asking them to please place me back on an IDR so I can make monthly payments. 
Please help me as they are jacking me around so much! My payment is almost two months overdue, and they are calling and sending emails constantly wanting {$600.00} and change, and now they want over {$1300.00} again. All I have ever requested from this company is an IDR with the lowest repayment amount so I can make payments. 
I have all the documents and screenshots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: OR

Complaint narrative:
There are XXXX addresses that are incorrect. XXXX of them I believe was used for fraudulent activities. I 'd like the incorrect addresses removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
Second time I am contacting. My account is through AES. Risking defaulting on my loan because they wo n't work with me to come up with a payment arrangement I can handle for my income. I make {$12000.00} a year right now. I have explained this, and they wo n't listen. Told them I am still looking for a job in my field. First time I contacted cfpb, AES sent me forbearance papers in the mail. Surprised, I signed them and mailed them back. No contact or communication from them, just papers. Today, I get a response on the forbearance..denied. Because I will not pay what they are demanding, {$340.00} a month.. I 'm not saying I wo n't pay I just need someone to work with me, and they wo n't. Im agervated and disgusted, and feel my credit is probably going to be ruined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 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: CA

Complaint narrative:
The reason for this complaint is that i believe that the amount allocated to the principal vs. the interest on this XXXX college loan is incorrect, and that i was unable to obtain a comprehensive and reasonable response from the eight calls made to FedLoan. 
As support for my daughter to attend college ( XXXX XXXX XXXX University ) i obtained XXXX Direct Loans PLUS from XXXX to XXXX totaling {$54000.00}, these were Standard loans at a fixed 7.9 % interest. The loans were transferred to FedLoans in XXXX XXXX. I made all due payments, was never late, in the amount of {$34000.00} until XXXX XXXX, and still owed {$51000.00}. I finally took a loan with XXXX in XXXX XXXX and paid FedLoan in full ( {$51000.00} ). 
I placed 8 calls to FedLoan since XXXX XXXX disputing the balance and requesting a full audit. Instead I only received partial history. Nonetheless from the little information received, it showed very irregular and practically inexistant allocations ( only XXXX small amounts allocated in 24 months in XXXX report ) made to the principal, which seems to indicate that the accounting is incorrect. How can i make payments of nearly {$35000.00} in 8 years showing less than {$3000.00} being allocated to the principal? None of the original loan documents stated such allocation. 
I believe that their accounting is inaccurate and that more should have been allocated to the principal. Therefore I wish to place a formal complaint to request a full audit, in order to verify and validate that the FedLoan accounting is in compliance with the original loan terms, and/or in compliance with federal regulations. If, as i suspect, the allocation made to the principal was insufficient, i request that i be reimbursed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: OH

Complaint narrative:
My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: PA

Complaint narrative:
I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: IL

Complaint narrative:
I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 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: FL

Complaint narrative:
Parent loan assigned to AES, American Education Services. Unwilling to do a fair Income sensitive repayment plan. Another company, XXXX was able to, and payments are being made on the other loan and would like to also to make payments on their loan, but income sensitive plan was XXXX/ month. They stated no other options available., really!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MN

Complaint narrative:
I graduated college in XX/XX/XXXX with about $ XXXX in public and private student loan debet and thanks to the recession could n't find a job in my field till XX/XX/XXXX. All the while falling deeper into credit card debt to afford my loan payments. I was paying around XXXX % of my income to service debt. Every time I thought about my finances or future I would get depressed. That resulted in poor performance at work and eventual termination. I cashed out my retirement to make payments and do n't see the point in even trying to get a job because there is no way I will ever get out of debt. I 'm probably a month away from suicide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: AE

Complaint narrative:
I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 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 received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.

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 2017-01-19 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: TX

Complaint narrative:
They charge me to much when I went to the school and then they send my information to another company now in my credit report it show I was charged 4 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: EQUITY LOANS LLC
State: VA

Complaint narrative:
The lender did not properly disclose the closing cost and I paid fees i did not know about.

Company response to consumer: Closed with explanation