vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 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: VA

Complaint narrative:
I contacted American Education Services ( AES ) in reference to three delinquent payments that have been reporting as a negative item on my credit for the last three and a half years. I have submitted verification requests for this information previously to no avail. I 've also submitted " good faith '' letters asking that this information be removed because ever since the loan reached maturity I 've made full on-time payments. AES never removed the information so I decided to try to get to the bottom of it today. After reviewing my payment history the floor supervisor I spoke to said that each reported delinquency was reported while my APPROVED forbearances were going through THEIR processing system ( I would also like to add that all forbearance request paperwork was submitted on time so there was no processing delay on my end ). Once the forbearances were approved it voided the bill and there was no longer any payment due however AES still reported to my credit that I was delinquent on said payment and never corrected the issue. Nor did they correct the issue when I requested they do so in good faith. They also never properly looked into the issue when I requested verification -- had they looked into it properly it would 've been obvious that my account was actually in forbearance during these dates and the information would 've been deleted. This is THE ONLY negative account on my credit reports at all XXXX bureaus. It is egeregiously irresponsible for AES to report inaccurate information and then proceed to be negligent when it comes to correcting their mistakes. As a consumer and an American who relies on the credit system for verification of my 'worthiness ' for just about every product ; this has negatively effected me unfairly for over three years. 

Furthermore, AES did not inform me of all of my repayment options. There was a borrower discount program available for my loan that would be assessed after 36 on-time payments. I was disqualified from this program without my knowledge -- I 'd like to reiterate that I was not made aware of this program AT ANY POINT. AES disqualifying me from a program with stipulations they never made me aware of is another egeregious and deceitful practice that should be addressed. All consumers should be made aware of repayment incentives and certainly not disqualified from potential money saving programs without their knowledge. 

In summary, AES has mishandled my loan repayment process from day one and I expect the situation to be reticfied or I will take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: WA

Complaint narrative:
Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Hi, I 've tried to see my credit score because I was denied of a credit card. There were certain questions I could n't answer, because I did n't have the correct answers to them. I 've put none of the above for all the loans they asked me about and I was informed that I was giving out the wrong information. I 've only took out a student loan. No car loans or mortgage loans. I think somebody has been using my information and now I ca n't even obtain my credit score. Can you please help me solve this so I can finally see my credit report.

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 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}

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 2016-12-28 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: IL

Complaint narrative:
XXXX is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that National Collegiate Trust owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with National Collegiate Trust and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for National Collegiate Trust or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 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: GA

Complaint narrative:
In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: FL

Complaint narrative:
I ca n't get in contact with this servicer! My pay date is coming up and I am unable to pay it due to the technical difficulties on their end. Why should I be penalized because their technology does not work?! They 've already destroyed my credit for reporting my student loans without my knowledge and by not letting me know my repayment terms. 

What they do is put their information about repayment on their site and make you sign up for it. So, if you have not received any notification or mail from them ( you 're automatically on an e-bill only cycle ), you 're XXXX. You have to register an account with their site to see any notifications. I did not even know who my servicer was until 120 days after my bill was due! This servicer XXXX. They denied my income repayment request, in an attempt to drop my payments from a ghastly {$500.00} a month ( well over XXXX % of what I take home a month! ). I had to call late to work and beg these XXXX to not to destroy my credit even further and I finally talked them down to a temporary forbearance and a repayment plan that worked. This took 7 hours. They denied my credit fix request outright because they think I 'm supposed to be psychic and know that I had to pay the loan XX/XX/XXXX when they did n't even contact me until XXXX XXXX! Now my credit is XXXX points less than it was and I do not even know how to proceed to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. 
Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. 
Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. 
I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. 
I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: PA

Complaint narrative:
PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.

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

Complaint narrative:
I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.

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 2016-12-15 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: OH

Complaint narrative:
I mailed a post dated check, they held it for a couple of days but still cashed it four days early ; my banking organization honored the check early also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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: CA

Complaint narrative:
AES is falsely reporting to the credit agency 's and refuse to correct. his has caused my credit score to stay low and I can not get housing. I am now XXXX due to their negligence

Company response to consumer: Closed with explanation