vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation
State: FL

Complaint narrative:
Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation
State: MT

Complaint narrative:
I paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.

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 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
Unable to receive a breakdown of additional fees charged for reinstatement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you

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 non-monetary relief
Consumer complaint received 2017-02-13 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: NV

Complaint narrative:
I have XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: TX

Complaint narrative:
reported to collections early ... negatively impacting credit report AES student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: MO

Complaint narrative:
shows open status, but consolidated and closed. Please update, and inform credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have been trying to get Credit Karma to update my correct address. I have provided them hard proof yet they keep telling me that XXXX is giving them the information. XXXX sent me XXXX hard copies with my proper address. Credit Karma refuses to correct the incorrect information. XXXX has tried to contact them but Credit Karma is not changing the information to match. The issue is my address is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. This makes it difficult to give my credit to people to check because the information will not match and Credit Karma refuses to put the correct information. I am attaching all my emails from Credit Karma and from XXXX. Please get Credit Karma to do the legal thing and make them change the information to match, so all my credit bureaus information matches. Thank you

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 2016-05-13 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.

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 2016-04-11 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: TX

Complaint narrative:
I paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: MI

Complaint narrative:
The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room 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 2016-11-01 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: FL

Complaint narrative:
I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: LA

Complaint narrative:
I am requesting the removal of negative reports for my student loan accounts due to personal family issues. Attached is the letter that I would like to send to FedLoan to have the negative reports removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: NY

Complaint narrative:
Got a requirement to recertify for my Income Driven Repayment XX/XX/2015. Payments have been lost, payment schedule has changed a half a dozen times finally being put on a repayment profile that is far from the least expensive because half of my loans do not qualify for the new repayment strategy that they charged me fees to get on because they said that the lower repayment rate would pay back the rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 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: TX

Complaint narrative:
Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I graduated XXXX in 2014 and called XXXXAES who now services my private loans. I asked them for an estimate of what my payments would be in XXXX when they come do and they finally gave me an estimate. I asked how long the repayment term was and they would not tell me. I would like to know how long my terms of repayment are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16 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: NY

Complaint narrative:
I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.

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

Complaint narrative:
I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: NY

Complaint narrative:
I applied for an income based repayment plan on XXXX XXXX, 2016 because I could n't afford my monthly payments. I made the XXXX payment. I then called on XXXX XXXX, 2016, to inquire about my status. I advised I was unable to make my XXXX payment. They told me they could put me in a forbearance state while we waited for the income based application to be completed. On XXXX XXXX, 2016 they denied my application because i incorrectly completed my XXXX XXXX application - I stated i was not in a forbearance, which was incorrect when they reviewed it on XXXX XXXX. 

Obviously the company has a financial incentive to kick my application down the road. Interest continues to accrue, and they advised me to apply for a forbearance. They did not tell me it would adversely affect my income based application. They then denied my application - telling me I could reapply. They also put me on a standard repayment plan now - represents XXXX % of my after tax income. I have accepted I will be sued by this entity in the next couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: GA

Complaint narrative:
I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.

Company response to consumer: Closed with explanation