vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale. 
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health! 
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner. 
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate. 
This is unfair business practice. Due diligence should be a requirement for businesses. 
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs. 
I would appreciate your help. 

Thank you 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 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: MA

Complaint narrative:
I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have been trying to modify my mortgage with Ocwen Loan servicing since the XXXX of XXXX. They keep telling me to send in the same documents that I have sent 6 times. I will attach the documents they have requested. I emailed the documents to XXXXXXXXXXXX every time. They say they receive them them they come back and say they have n't received them. It 's a complete joke. I had {$5000.00} to make a payment and bring the loan current on XXXX XXXX 2015 and was told they wo n't except it because they needed XXXX because of fees. That is illegal. I was told to apply for a modification so I could save my XXXX and the modification would bring me current. If the modification does not go through them I am screwed. I need them to get the modification done now! They have all the document ion they need to get this done and they have XXXX copies of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: UT

Complaint narrative:
American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: OH

Complaint narrative:
XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 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: CA

Complaint narrative:
I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. 

As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation
State: MO

Complaint narrative:
On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.

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 2015-07-30 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: TX

Complaint narrative:
Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 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: AR

Complaint narrative:
credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Optio Solutions, LLC
State: NY

Complaint narrative:
called by this debt collector told him not to call after XXXX and he became abusive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: TX

Complaint narrative:
Following from unsolved issue with Case number : XXXX. 
There are still multiple issues with Performant 's actions. 1 ) When I called two weeks ago seeking documentation about how my payments were allocated against the loan, I was told Performant no longer had any documentation concerning my loan. Pull the recorded tapes to validate. That is a unfair and deceptive practice. Only reason I have been provided any responses is because I engaged the CFPB. 2 ) Performant is claiming that I voluntarily enter the rehab payment plan. That is untrue. I was forced into the plan by Performant and threatened with wage garnishment. Further, when I submitted all my monthly expenses to validate I could not afford $ XXXX/month Performant said I was denied by American Student Assistance and payment was either {$800.00} or likely a higher wage garnishment. Again pull the recorded conversations. Therefore, I want evidence that my monthly expense forms were sent to XXXX XXXX XXXX and reviewed, and subsequently denied. I want a paper trail. 3 ) Based on the information provided by Performant it appears that Performant collected over {$5500.00} in collections fees. I would like to know how that is reasonable in comparison to a rehabilitation program to which I paid in {$7200.00}? That is XXXX % collection fees. There appears to be a serious conflict of interest between XXXX XXXX XXXX and Performant. Performant ensures high payments are made to collect extremely high fees, then XXXX XXXX XXXX continues to collect on a loan which virtually was paid down none in the rehab program. Look forward to your response.

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 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GMFS, LLC
State: LA

Complaint narrative:
I became ill while working as a XXXX in XXXX XXXX. As a result of my illness and XXXX I have not been able to find gainful employment. I am a XXXX year old female with failing health. My only source of income is {$810.00} SSA Retirement Benefits and {$190.00} SNAP Food Stamps from the State of Louisiana. I was forced into bankruptcy and am now facing foreclosure. I would be forced into homelessness. I feel that I am being discriminated against and punished by my mortgage company because of my age and health which prevents me from finding employment.

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 2015-06-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: VA

Complaint narrative:
It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: FL

Complaint narrative:
I do not owe any credit card with this institution.

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