vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-21 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 've been attempting to work with Fed Loan since XXXX XXXX to have my payment plan recalculated. I called them in early XXXX and informed the rep that I was having a hard time paying my loan. Additionally, I told the rep I was recently married and needed to update my family size. The rep stated that the change in my status would help decrease my monthly payment. He asked that I submit documentation including my taxes as well as pay stubs. I was informed that I could also qualify for an administrative forbearance. I call each month until early XXXX and am always given conflicting answers. I got so frustrated that I decided to contact the XXXX XXXX XXXX XXXX Ombudsman group for assistance. With their help I was able to have my application expedited. Unfortunately, once my loan was recalculated my monthly payment increased from {$430.00} to close to {$630.00}. I surely could not pay this amount while at the same time affording rent, car insurance, and other essential living in the XXXX XXXX area. The Ombudsman group was able to provide me information on another payment plan that would decrease my payment plan. I applied in early XXXX XXXX for the Repaye/Paye program. I called twice to check on the status of my application and was informed that I would receive notification " In a week ''. I informed the reps that my loan was past due and near delinquency and this was very urgent. I was informed that I did not need to worry as I would receive notification. Almost XXXX weeks later, I have not received anything. I do not qualify for a deferment or additional forbearances. I contacted the escalation line for Fed Loan 3 times to request an administrative forbearance but have never received a call back. I used the chat feature on Student.gov today for assistance. The representative told me to go back to school so that I could qualify for an in school deferment. Really? Go back to school? My husband and I combined owe over {$200000.00} in student loans. I would like to pay my loans but need a reasonable payment. I am not asking for a handout. Why are n't there options out there for people in my situation. I feel as though Fed Loan rather see me default then to provide assistance. My experience with this company has been BEYOND FRUSTRATING. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.

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 2016-07-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
I have close to {$100000.00} in student loan debt, {$20000.00} of which is funded by Sallie Mae/XXXX. 
Sallie Mae/XXXX refuses to work with me and demands that I pay {$320.00} a month or more on this debt with 10 % interest. Everytime I call a representative tells me that is my only option, or I can default. Then they state that if I default there might be some help for me but they do n't know, and there 's nobody I can talk to about it. It is unbelievable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
My servicer, Fay Servicing, failed to inform me that they were transferring my loan to XXXX XXXX within 15 days. In fact, I still have not heard from them. And the company they sold it to, Florida XXXX XXXX, did not inform me in a timely fashion. I only received their letter on XXXX/XXXX/16 when transfer was to take place XXXX - XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
was included in bankruptcy and should be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: CA

Complaint narrative:
I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc.
State: NC

Complaint narrative:
I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Thomas, King & Associates
State: TX

Complaint narrative:
Thomas King Associates a debt collector has been calling very often to the point of harassment. I 've filed bankruptcy on XXXX XXXX, 2015. By now as a debt collector as of XXXX XXXX, 2015 there is no way they are unaware that I am in bankruptcy as notice has been posted by the Bankruptcy court ... and they still continue to call. 

On top of this, their calls are misleading and deceptive. They call with an automated dialer to my cellphone ( which is illegal ). They say they are doing an asset and liability search and my number has come up in their records, with a message to call another phone number, then they say " Failure to respond will be documented as non-cooperative '', which is an obvious and illegal intimidation tactic. I have attached a recorded copy of this message. 

I 'm creating this complaint so that you can take action against them! Each phone call past my filed bankruptcy date is a {$1000.00} statutory federal FDCPA violation. My lawyer will be following up. 

They have been constantly calling for weeks! I 'm only reporting the ones since my bankruptcy filing. 

To date the calls since my filed bankruptcy, came in on these dates/times ( central time ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
I am currently in foreclosure. I was behind in payments and asked for a written document stating what I needed to get my loan current so I could pay it. After unanswered calls and emails they said they could not provide written documentation. Now I have attorney fees, and because I filed a complaint with MN XXXX they refuse to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Revenue Assurance Professionals LLC
State: GA

Complaint narrative:
XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vantage Sourcing, LLC
State: CA

Complaint narrative:
Vantage sources sent a form in the mail with an attempt to collect over {$700.00} from a XXXX account I suspended a few months back. The debt collectors claimed to file a law suit if I did not pay the money back within 30 days. I suspended the billing on the account the same month I had already paid the first bill. I should not owe these debt collectors and I confirmed with XXXX that I do not owe any sum of money to them personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: NC

Complaint narrative:
I had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I XXXX XXXX claim that a company known as National Enterprise Systems ( NES ) has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 
I claim that NES acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
I believe that these loans were securitized through a XXXX party investor. NES has destroyed my personal credit on debts that are no longer valid. 
I will proceed with a federal lawsuit against NES if they can not validate a legal collection process. 
NES has submitted my personal information to another XXXX party source where this source stated in a recent conference call that they have no ownership in the debt, nor that they have any authority to modify the debt. This is a violation of my rights under the Fair Debt Collection Practices Act. NES has destroyed by credit even though the debts are no longer valid for collection under California laws,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: VT

Complaint narrative:
Earlier this year I applied for a consolidation loan through Fedloan Servicing. The amount of the loan that they show is incorrect. I have tried numerous times to get them to correct their mistake, and have made no progress. Here is a copy of the text of the email that I just sent them that describes the dispute. I have uploaded copies of the statements of account and bank statements. Thank you for helping me resolve this matter. 

XXXX : account # xx xxxx xxx xx. 

To Whom it may concern : Earlier this year, I applied for a consolidation loan. Before the loan went through, I obtained other financing and paid off most of the loans myself. I did not realize that the consolidation loan would go through no matter what. Unfortunately, the consolidation loan amount you show is not correct, and does not match the payments that Fedloan Servicing actually made to my accounts. I have called numerous times to get this settled, and have made no progress to get you to correct your error. I have obtained statements of my account of my previous loans that show my payments, as well as yours, and have attached them. I have also included printouts of my bank account that shows the payments I made. 

XXXX loans were consolidated. Details follow : XXXX loan # xxxxxxx. Paid in full by me with check # XXXX for {$530.00} XXXX. NYS XXXX case XXX-XX-xxxx Balance of XXXX. {$50000.00} paid by me on XX/XX/2016. {$2.00} paid by Fedloan Servicing on XX/XX/2016. 

XXXX. XXXX loan account # xxxxxx. {$10000.00} paid by me on XX/XX/2016 with check # XXXX. {$1700.00} paid by Fedloan Servicing on XX/XX/2016. 

It is easy to see from the statements of accounts that Fedloan Servicing paid {$2.00} plus {$1700.00} for a total of {$1700.00}. Please adjust this amount, and figure interest owed to the date of my first contact with you. As soon as I receive a correct bill, I will pay it in full. 

Because this has taken so long, despite numerous calls, I am filing a complaint with the Consumer Financial Protection Bureau as well. 

I look forward to resolving this matter now. 

Sincerely, xxxxxxx xxxx XXXX is worth living.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CA

Complaint narrative:
My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 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: MN

Complaint narrative:
I have contacted your company before with a complaint about AES. The last they spoke to me they informed me that they would send out papers that i could fill out for XXXX in a hope that my loans would get forgiven as i can not work. They have done nothing at all. I then tried to contact highcliff trust who owns the debt. They seem to not even exist! I can not find any information on them and AES gave me a phone number that was not even real. THEY ARE CROOKED AND NEED TO BE SHUT DOWN BUT NO ONE DOES ANYTHING!!!!!!! My next step is to contact eh attorney general of my state and speak to a lawyer as talking to aes myself has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.

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 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
SunTrust responded to Complaint XXXX and a representative committed personally to stop opening new bank cards without my consent. However, they 've once again started sending repeated cards that were not requested by me. This action is unethical and irresponsible. I would like to request in the strongest possible terms that SunTrust immediately cease opening new accounts or sending unsolicited new bank cards to my address.

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 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!

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