vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 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: SC

Complaint narrative:
I had my federal student loans at multiple places, ACH and FedLoan, and applied to have it consolidated, to FedLoan. During the consolidate however ACH decided that they to sell my loan, to XXXX. FedLoan never bothered to verify that information was still accurate after they completed their process before they sent the money. FedLoan is now charging me for the new consolidated loan even thought the original loan still exists. ACH has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have recieved it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 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: WA

Complaint narrative:
My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 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: TX

Complaint narrative:
I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!

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

Complaint narrative:
I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: GA

Complaint narrative:
This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.

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 2015-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: MI

Complaint narrative:
XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX 2016 serves as an addendum to my previous CFPB complaints ; my disputes directly with my servicer ; and through the DOE. As such, letters received after negative payment data was furnished to credit reporting agencies, suggested that the credit history could be fixed if delinquent student loans were brought current. First, that was not true. Second, I did what was required of me to stay current. Third, despite doing that ; they defaulted me and reported negative payment history inconsistent with my activity as if I did nothing. Due to the Government Shutdown, time was wasted, and ultimately my U. S. Senator and the DOE reviewed the issues being disputed. After all that, in full knowledge this servicer made a similar claim of credit repair U. S. Mail as a " carrot '' and redemption as a " stick. '' When I sought clarification about the credit repair they took a helpless position as in the past is not fixable. So that was false, in the sense that negative reporting can somehow magically be overcome with good reporting. Not only was the language in writing presented as clean slate but in my case there was nothing on my part to cause it. So this leaves the student debtor with a deliberately distorted credit report for no reason. The servicer has total control over furnishing truthful credit reporting. In view of the Government Shutdown, any accounting dispute that very month should be consider positive payment history. So this case addresses a number of issues. The one that applies to AES is credit repair-esque language. Though " settlement '' is not the precise word used, in the case of AES communication to me, the notion of future payments equating with credit reporting status is deceptive. One has nothing to do with the other. AES did this in XXXX different ways in XXXX different communications. Once clarified, default was no worse than the damage they already did with false negative reporting that they refused to fix. It was a Catch 22. No matter what I did, the past was etched in stone on up, to XXXX credit reports. The purpose of this complaint is to let AES know that mail fraud is different and beyond this case XXXX XXXX 2016 weblink ; but not mutually exclusive to its legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law

Company response to consumer: Closed
Consumer complaint received 2016-10-11 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: FL

Complaint narrative:
Almost a year ago I received a call from a student loan consolidation company called Fedloan servicing. They told me that they would be able to assist me in consolidating my loans lowering my payments and removing my interest rates. My loans combined were like at {$16000.00} with XXXX XXXX who was the original lender. Fed loan servicing told me they would lower my payment to {$9000.00}, and all I would have to do is get on an automatic payment plan with them and show them my recent tax returns. My loans were in deferment at the time of their offer, seeing that my loan was going to get cut in half and I was planning on returning to school as soon as I was able to make a cash payment to the school I had previously attended to get my transcripts released. So I went ahead and signed up with Fed loan servicing thinking that they would alleviate the burden of the interest accumulating. So now here I am I was able to get my transcripts released and I transferred to a community college. I come to find out that Fed loan servicing has been taking out subsidized and unsubsidized loans without my consent. My loans are up to {$18000.00} now in repayment. I never was made aware that this company would be using up my student loan money. inclusively they changed all my information on the FAFSA website with an email address that I was never made aware of. I am enraged, this is an injustice, I never approved of them using my student loan money. Please help me.I mean is it even legal for them to be signing promissory notes on behalf of me without my knowledge and consent? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA
State: KS

Complaint narrative:
National Collegiate XXXX XXXX Trust XXXX is a debt collector attempting to collect a unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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:
Went onto the biller 's website last Friday and paid loans off in full. Biller, AES has my bank information saved in their system as they withdrawal my payment monthly. I clicked to use my bank account that was saved. A week later I was notified by AES that the bank rejected request and I would have to start again. I contacted the bank and after hours of investigating it was determined that AES had created an error when entering the ACH. When I contacted AES they accepted no responsibility, gave no options for payment, told me my account is in limbo for awhile and that they could not accept payment and when the system gets resolved I would be charged additional interest. I am left with no resolution and no method to pay this off today once and for all. I believe this is an unscrupulous business practice. No assistance provided whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: DC

Complaint narrative:
I have paid my private loan payments to my loan servicer, American Education Services, on time for about a decade. I asked about removing the co-signer on my loan, given that I have an exemplary record of payment and a steady income, and the company informed me that while they could do this for some loans, they could n't for mine. They offered no explanation, no alternative, and no mechanism for escalating the issue ; they just said it was a feature of the loan and not a function of my particular status. This seems like a pretty basic service that a payee in good standing should at least be eligible for. ( In my case, my co-signer has never been necessary for my loan, and the company continues to send the co-signer information about my loan, which is both puzzling and worrisome to my co-signer -- even though there is actually nothing to worry about. ) Their solution to my wanting to remove a co-signer that is no longer relevant to my account/status was for me to change lenders, which seemed like ridiculously poor customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 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: NM

Complaint narrative:
In correspondence dated XXXX XXXX, 2016, I received a notice from American Education Services stating that my Income Based Repayment plan had been recalculated. I lost my job in XXXX, so my monthly payment was recalculated to be {$0.00}. But I subsequently received correspondence dated XXXX XXXX, 2016, threatening that my loan " will default '' and that " we urge you to make payments to bring your loan ( s ) current. '' I contacted customer service and was told that because I did n't 'check a box ' on my IBR form, I somehow wound up in danger of getting into default. The explanation was inadequate but no further details were forthcoming. The representative was able to go into my account and retroactively 'check the box ' to bring my account 'current, ' and get me out of the potential default situation. But clearly they approved my IBR application, based on the XXXX XXXX letter. There was no explanation provided other than my 'failure ' to 'check the box. '??? I am left confused and angry as to why I suddenly received threatening letters from AES regarding a potential 'default, ' when I previously received a notification saying that my IBR was current and that I do not currently owe anything. I find the labyrinthine process that led me to this point INTENTIONALLY confusing and INTENTIONALLY harassing. The process of applying/reapplying for Income Based Repayment should NEVER result in threatening letters accusing the borrower of delinquency and threatening default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 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: NV

Complaint narrative:
XXXX XXXX sold my student loans to American Education Services. They have changed the interest, timing of payments and only have allowed for 12 days for payments. They only wanted to do electronic services, which I had NEVER signed up for with XXXX, nor do I want ever. Postage signed XXXX XXXX due XXXX XXXX. Location of the school is XXXX, Nevada. They have been problematic with telling the truth, told me before they sent me a " welcome package '' never received it, and then proceeded to state the " welcome package '' was emailed. Just being generally untruthful, unhelpful and giving me bad information which I did not sign up for with XXXX XXXX XXXX. They also never sent me anything involving payments, or payment information Via Email. They were just hoping I was going to miss my payments I guess.

Company response to consumer: Closed with explanation