vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 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: CT

Complaint narrative:
Due to previous unemployment and then reduced income and high medical expenses for XXXX life saving operations and the need for mortgage modification, my student loans fell into default after exhausting deferments. I thought my loans were being restructured through XXXX XXXX XXXX. I think I was scammed as the loans are now in collection with Performant Recovery for XXXX. Performant contacted me about a rehab program in XXXX 2016. I entered into an agreement, providing credit card and bank account information. They never took the payments and now are garnishing my wages, 15 % of my income. They claimed they called me about needing additional information and another person claimed that they did not need to call me. They had all the information they needed - and I know this because I re-entered into the same agreement today ( XXXX XXXX ). I knew their process was error prone when I reviewed the listed references they had on file, which I updated. I explained that the error was theirs, for {$5.00} per month under the rehab agreement, and that they never contacted me ... But they did contact my employer who now must take 15 % of my wages under the garnishment. This was not supposed to happen at all. I will now be at greater risk of foreclosure instead of mortgage modification, will not be able to pay for critical medical operations and treatments relating to XXXX, can not pay for school and basic living expenses and I could even get fired because of the garnishment. I believe that Performant Recovery operates in a sloppy manner and in bad faith.

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 2015-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: P&L Acquisitions LLC
State: NC

Complaint narrative:
There is a 6.5 year old debt that I have been fighting for a number of years. I have filed fraud documentation with the original creditor, XXXX, and they are working on the process of clearing that now. The debt was taken out when I was under the age of XXXX by whomever took the debt out. Also, the statute of limitations for an open account ( credit card ) is three years in the state of Louisiana. The account was taken out in XX/XX/XXXX, we are currently in the last few months of XX/XX/XXXX. Therefore, the statute of limitations has run on the debt. P & L Acquisitions sent me a litigation notice about the debt. The amount listed in the " Amount Owed '' section is {$2600.00}. The original debt was {$1000.00}. I spoke to XXXX XXXX, manager at P & L Acquisitions, and he was very evasive, refusing to send me a written validation notice of the debt. The account was written off and taken off of my credit report by the original creditor XXXX. It appears the company is attempting to make a profit, illegally. I have contacted my attorney and she informed me of all of my rights under the Fair Debt Collection Practices Act, to which P & L Acquisitions is in violation of. The use of bullying tactics, evasiveness, and illegal practices by P & L Acquisitions is astonishing. I have recorded all conversations from P & L to demonstrate the things mentioned in this complaint. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I had my mortgage with XXXX and they sold my loan to Fay Servicing out of XXXX. I sold my house and tried to get a payoff so we could close the deal. They would not give us a payoff in a timely fashion. They said it would take XXXX days and it would come by mail. We ask if they could fax it, email it, etc. and they said know. It 's been two weeks and we missed our closing deadline. They will not return phone calls. I 'm being blackmailed so they can earn more interest from us. They will not respond to our attorney or return her calls. You should be able to get a payoff on your mortgage or any loan in a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 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: ME

Complaint narrative:
FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: VA

Complaint narrative:
I attended XXXX in XXXX, a 6 month intensive XXXX class that promised job placement as well as lifelong access to continue to attend classes and use the school 's equipment when available. The school closed without notice in XX/XX/XXXX and from what I 've been able to find online, they filed bankruptcy. 
XXXX I have been paying $ XXXX-XXXX a month since I graduated almost 10 years ago and I still owe over $ XXXX. I currently pay my loan to American Education Services who have refused to send me any information surrounding my account, claiming I selected a " paperless option '' for my bill therefore all documentation from them will only be paperless. My original loan was though XXXX XXXX, I do have the original contract if that is helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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: VT

Complaint narrative:
My student loans ( my own and my XXXX loans for my kids ) went into repayment in XXXX XXXX and I was put on an income related repayment plan because I have a low income. My repayment was {$240.00} per month. In XXXX XXXX I was notified by email that my payment would increase to {$430.00}. Since nothing much had changed in my circumstances, I felt there must be a mistake. I called and spoke to a service provider at FedLoan and was unable to clarify to my satisfaction exactly why my loan increased. He said that it had increased because a great deal of interest had accrued because I had lower payments and also that my income had increased. Subsequently, I spoke to another servicer at FedLoan as well as several other counselors who help with student debt questions ( including my tax accountant ) and it appears that the servicer made several errors such as telling me that my debt had risen to {$99000.00} from {$66000.00} in one year because of the lower payments I was making. I finally managed to speak to someone from the XXXX office and when we went through the figures together, she identified a key error made in calculating my repayments : the FedLoan servicing organization had recorded my gross income as something like {$10000.00} more than the previous year, whereas it had increased by just over {$1000.00}. This miscalculation was in spite of the fact that my tax forms had been correctly submitted on time by my tax accountant. The ombudsman service woman suggested that we try to sort out the problem with a XXXX call but she was unable to get the appropriate person on the line at that time. She was supposed to be calling me back as soon as the call was set up. I have n't heard from her since and it has been about two months since we spoke. In the meantime, I have had to take money from my pension to help with expenses -which will increase the recorded income for the past tax year - and I also need to reduce my household expenses as much as I can. I would like to cut my phone landline which costs me {$60.00} a month but it is the phone number that the XXXX office contacted me at, so I have been reluctant to give up that number. In other words, the FedLoan Servicing organization 's errors appear to have not only caused me to lose the full income sensitivity that I merited, but it is also costing me money. I would appreciate your help in resolving this without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
I am from XXXX, came to US in XXXX to pursue my XXXX in University XXXX ( XXXX ), XXXX XXXX, ND on an XXXX ( XXXX XXXX ). I was maneuvered as a cosigner of student loan in an unfortunate and insidious situation by the primary borrower XX/XX/XXXXand the principal of the student loan was {$9200.00}. The primary borrower, an US citizen, was working as XXXX XXXX of XXXX where I joined to pursue my XXXX program and later started working as an part time employee of XXXX section of XXXX and also. She took advantage of her position at XXXX and me by asking to cosign her own financial loan application. Because of different cultural background, lack command of English language used in statutory/promissory and deceived and untruthful manipulation by the primary borrower I could not asses the gravity of the cosigners responsibility. According to my previous knowledge and experience about loan process in back in XXXX, I thought my signature was just for verification of identification of borrower, no financial responsibility associated. Also in XXXX the financial obligation of cosign is fulfilled by immediate relatives of primary borrower whose assets and financial conditions are judged before. Furthermore according to the rule I do not qualify as a cosigner as I am not XXXX, the primary borrower being an employee of XXXX then, had convinced me the same ( use my signature just for verification purpose, no financial obligation involved ) and asked for a 'small ' help for her academic advancement. She also took responsibility that I would not have any financial obligations as I am an XXXX who do not qualify as cosigner. I also intended to help her as my past colleague to pursue her academic advancement without any financial responsibility. 
Unfortunately, she after few initial payment stopped paying the loan and I started getting letter, phone calls and a letter from the creditor 's attorney to me threatening of legal action if loan is not paid. I communicated the bank through phone call and letter from my side and also by an attorney who sent a letter on my behalf to the banks attorney in response ( in XX/XX/XXXX ). I conveyed them several time that I do not qualify as a cosigner for the loan and requested them to exclude me as cosigner but Bank did not listen to that. 
I am still receiving letters and phone calls. My credit score has severely affected by this outstanding loan amount. I am getting immense mental stress and harassment. I would like to know what the solution of this issue is. I am attaching the copy of the promissory note of the loan that I signed as cosigner. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 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: OH

Complaint narrative:
In XXXX of 2015 we sent in XXXX payments for both bills that were due in XXXX. When we submitted the payment, AES applied the payments incorrectly even though they were the exact amount shown on both statements, in which we sent XXXX separate payments so this type of error would not happen. 
We proceeded to contact them when we received a statement for {$0.00}? Not even close to amount we were supposed to have due. We called and spoke to their customer service. They said they would get it corrected and reapply the payment properly. 
We received a collection call a week later. We then came to XXXX they did not correct the issue, we had them look up the account and the person we spoke with said and confirmed it was not applied properly to be fixed and that she would make sure it was done. They then proceeded to tell us that there is a past due amount now and that the correction of this will fix the problem and we would not receive any late fees from their error. 
A week later we received another collection call ... We re-explained the story again which they were able to see their account notes ( why do they not check their notes before they call? ). They proceeded to tell us we had a past due amount in XXXX, which is not true because we paid everything due. Our XXXX payment even as of this date writing this complaint is not even late yet? So any amount being past due is due to their error from XXXX. We escalated to a manager and retold our story again after the last manager was conveniently disconnected. So we are on our XXXX call with AES and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 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: TN

Complaint narrative:
have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: VA

Complaint narrative:
I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: FL

Complaint narrative:
I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Ok I seen some information that I never used or did I think someone using my information and making my credit bad identity theft

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 2017-01-13 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 spoke to on the phone to the representative and was told that my payment could get an override, i.e. changed from the incorrect amount they charged me of {$5000.00} to less than {$400.00} ( date of phone call XXXX/XXXX/16 ; representative name XXXX ). This did not happen. Instead I was charged {$5000.00}. The company 's response was to do a forbearance, but this is not a reasonable solution, since on my repayment plan I will just have to make a similar payment at the end of the repayment period.

Company response to consumer: Closed with explanation