vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 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: MA

Complaint narrative:
On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: TX

Complaint narrative:
I had a student loan 30 years ago for XXXX I paid most of it off. I contacted Fed. Loan to inquire about it. They could not find one with my name and social. 
Finally they found it and stated that it went up to XXXX. I set up a payment plan and had them to automatically withdraw it from my account. I never missed a payment. They reported a 90 day late payment and it went up to XXXX in two months. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Texas Guaranteed
State: VA

Complaint narrative:
I am on a Federal Loan repayment plan and have set up monthly payments to offset my past due amount. I spoke with a representative at Texas Guaranteed to set up all the details and spoke with them at length about my options. I was told that I could make monthly payments that were configured based on my income and my bills and that after I had made enough qualifying payments that my loan would be considered in good standing. In my first conversation with Texas Guaranteed representatives we discussed taxes and noted that I had not been able to file in the past couple of years because I was the victim of identity theft. We discussed that I hoped to file this year. I set up the payments and have made them on time since I set them up. I was able to file my taxes and was expecting a federal tax refund of almost {$3000.00}. A couple of days after the IRS notified me that my tax refund was supposed to be deposited in my account I had to call several different numbers to find out that my tax refund was seized by Texas Guaranteed. At no point in our discussions was I notified that my federal refund would be taken, and I did not receive anything in the mail that my federal refund was going to be taken. I called a spoke with a different representative and was basically told 'oh well too bad we wo n't release your refund '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: DE

Complaint narrative:
I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.

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 2016-07-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AES/PHEAA
State: IL

Complaint narrative:
American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much. 
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 2016-08-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: VA

Complaint narrative:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Attempted to deposit {$240.00} at Suntrust authorized ATM ; {$60.00} was returned. Submitted a claim the following day and received a temporary credit of {$180.00}. About two days I ago received a letter that claim was denied. I called the fraud department and asked if cameras were used when investigation was conducted, manager said that he was not the one that conducted the investigation and could not say for certain whether the camera was reviewed. He did advise that I can submit a rebuttal form ; which I did. That process takes 60 days to process. I also requested the documents as to how determination was made.

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 2017-02-24 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: GA

Complaint narrative:
Contacted PEAA several times and requested to speak to a supervisor and no one will discuss or fix my account. I left school in XXXX and have been billed for student loans BEFORE my consolidation request has been completed starting in XXXX, violating my 6 month grace period provided under federal law. Additionally, the consolidation request was modified without my permission and I have requested several times for this to be resolved and it has yet to be corrected. Finally, the total balance is NOT matching my records of how much I 've borrowed and no one is available to explain the discrepancy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: MD

Complaint narrative:
FedLoan Servicing unlawfully limits student borrower payments to eight ( 8 ) per month. Despite multiple inquiries, FedLoan Servicing is unable to specify on what legal authority it relies to limit borrower repayment options. Absent a lawful authority, the most likely rationale for this usurious practice is to make it more difficult for borrowers to repay loan balances in order to maximize interest collections. It is worth noting that no credit card, mortgage, and automobile creditors follow a similar practice. As such, FedLoan Servicing is unique in its unlawful and usurious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help.

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 2016-11-09 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.

Company response to consumer: Closed
Consumer complaint received 2015-09-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: National Enterprise Systems, Inc.
State: IN

Complaint narrative:
I was making payments, however they were n't enough, so they sent me tocollections and then since they said I was in " default '' they would only take alump sum payment. First they said {$9000.00} then they said XXXX. I got them tolet me pay XXXX ( which I had to borrow ) and then I made 100 monthlypayments for 2 months after that, per the arrangement. I called back to XXXX know I could continue making payments, but they said " no '', back to thelump sum thing again only now the best I could get them to do was XXXX over3 month period. I really am trying. I explained to them back in XXXX that mycompany was bought out, I had to look for other work and now I am on acontract position, could end any time, but I am still looking for permanentemployment. I am paying on a ton of student loan debt. I have XXXX and can barely afford groceries, but hey at least I amtrying here, why ca n't they work with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.

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 2015-05-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Loan Servicing , LLC became the alleged loan servicer on my mortgage when the mortgage was in default, which qualifies Ocwen as a debt collector. I disputed the mortgage with the alleged lender and on XX/XX/XXXX the grantor notified XXXX that the dispute had been settled by the grantor, the account balance is zero and the account is closed. Ocwen stopped reporting information to the credit bureaus as a result of the grantors settlement of the debt on XX/XX/XXXX, however, Ocwen has continued its attempts to collect the debt. On XX/XX/XXXX, I sent XXXX XXXX, at Ocwen an email informing him that the balance is zero and that a satisfaction needs to be recorded in the XXXX County Register of Deeds to reflect that the mortgage has been satisfied/canceled. I asked for a reinstatement amount if any that Ocwen was claiming was owed that was different from the Zero balance reported by the grantor and XXXX XXXX XXXX replied through counsel representing Ocwen that the reinstatement amount exceeded XXXX. XXXX continued attempts to collect on this closed account violates FDCPA laws as Ocwen is misrepresenting the amount and status of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. 

When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: NY

Complaint narrative:
I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: MO

Complaint narrative:
This is my second time contacting you regarding this issue. My consolidated loans were recently transferred from XXXX to fedloan servicing as the result of my enrollment in the public service loan forgiveness program. During the month of XX/XX/2017 I was unable to send payments to either XXXX or fedloans. Today when I logged on to fedloans it is showing that I am delinquent. I called fedloan 's customer service to have them remove the delinquency and was told that they can only make an annotation that " may '' be resolved in 60-90 days.

Company response to consumer: Closed with explanation