vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 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: IL

Complaint narrative:
I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I have XXXX Accounts Closed reporting by Credit Karma for XXXX and XXXX Credit Bureaus. I need clarifications of why/how this continues to reports ; if I did n't request closure? In fact ; all of the merchants were paid off in full..I HAVE CONTACTED ALL MERCHANTS. The response is that they have to report this way. My credit score decreased by XXXX points instead of increasing ... I am debt free with the exception of our Real Estate loan.. Merchants should not be allowed to report an Account closed unless the consumer has requested ... Additionally this also impacts History/Length of time an Account has been opened and Credit score is decreased again ; according to information received from Credit Karma ...

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 2016-09-15 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:
I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: MS

Complaint narrative:
Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: NY

Complaint narrative:
A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.

Company response to consumer: Closed
Consumer complaint received 2015-10-23 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: UT

Complaint narrative:
American Education Services has given me false information, charging me more than what is due, their website is not updated or organized, each representative gives students different information. Due to all of their fraudulent practices and false information, I have had multiple loans default now. I have tried working with them, I make payments because they tell me I have no options whatsoever even though I am in XXXX school and do not have a job. They have destroyed my credit and made my life miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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: CA

Complaint narrative:
I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: TX

Complaint narrative:
I applied for an income driven repayment plan ( REPAYE ) and my loan servicer, FedLoan Servicing, decided to sign me up for the standard plan instead. I filled out the application and transferred the tax info. I do n't know what the problem is. They pulled the same XXXX last year and it took two months and multiple phone calls to get them to sign me up for the plan I requested. They also do not respond to emails, and I can not afford to take a day off of work to figure out why they can not do their jobs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.

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 2016-12-01 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: PA

Complaint narrative:
In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on 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 explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Hard inquiries not mine. I have never authorized those to be done

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 2016-03-22 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: TN

Complaint narrative:
National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up. 
Thanks for your help XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 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: CA

Complaint narrative:
My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.

Company response to consumer: Closed with non-monetary relief