vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage company ( Ocwen ) did not pay my flood policy which had cause my flood policy to elapse. I had contacted them several times before my policy had elapse in which they had stated that need to research what happen. I also called them with my insurance company ( XXXX ) on the phone which had confirmed with them that a statement was sent twice and the policy still was not paid. 
Ocwen representative had stated that they will issue a payment. The next month I contacted my insurance company to make sure that the policy was paid and was told that not only was my policy not paid, but now had elapse. Since I am required to have flood insurance I had to have another policy made. The new policy was significantly higher then my last policy. It went from around {$540.00} a year to {$3800.00} per year. This new policy had caused an escrow shortage which in return cause my mortgage to increase. 

My insurance company had explain to me and the Ocwen representative that had my policy been renewed prior to it being elapse that my policy would had remain at the {$540.00} per year. Ocwen told me that they would reimburse me the difference. This was about eight moths ago. Every time I call they give me the run around saying that at first they lost my account number to it will take 30 days. It have been well over eight months. The last time that I 've spoken to a Ocwen representative was on XX/XX/2016. I 've spoken to a supervisor from their insurance department name XXXX XXXX. XXXX XXXX told me again that they will need another 30 days. 

I called them back today ( XX/XX/2016 ) and was told that they was still working on it. When I requested to speak with the supervisor again the representative stated that " there nothing that the supervisor can do the she ca n't ''. She then continue to deny me to speak with a supervisor. 

In all my mortgage payment had increased twice this year for a total of about {$450.00} for Ocwen refusal to pay me flood insurance.

Company response to consumer: Closed
Consumer complaint received 2016-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Van Ru Credit Corporation
State: PA

Complaint narrative:
Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.

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 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: KY

Complaint narrative:
Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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:
Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: NH

Complaint narrative:
I 've had nothing but poor service. I get statements that are incorrect, I get statements that ca n't be deciphered, I get undocumented phone calls and requests that never go through. I 've been put in delinquency twice after being told twice over 5 months that my forebearance while my new payment plan is being approved would go through. I 've requested forebearance during this time over the phone and email. I 've been told my public forgiveness did n't count for a year because of cents being miscalculated in my payment while nobody told me. I 've been through the ringer so many times that a customer care agent was assigned to me who never responded after about a month. I 've complained so many times without even a response. I 've tried Ombundsman without any success. This company is completely incompetent at everything they do and I do n't trust them one bit with my money. The communication is terrible at best, the responses are even worse, and the amount of mistakes they make that can lead to severe financial problems is astounding. The fact this company still runs is amazing to me. I 've requested several times to have my money transferred to a different servicer without any luck which is fundamentally absurd. I can go on and on and on. I want something to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: CA

Complaint narrative:
By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: Mid Continent Credit Services, Inc
State: KS

Complaint narrative:
In XX/XX/XXXX I had Internet service with XXXX XXXX out of XXXX, KS. Until I terminated service with XXXX and mailed the leased cable modem and equipment back to them. 
In XX/XX/XXXX I was contacted by a collection service affiliated with XXXX called MID CNT CRSV. They demanded payment for the modem and I explained that it was mailed to them and that they needed to check with XXXX to confirm this. Their response was " that is not our problem we can only give you the option of paying the full amount, or we will keep this on your credit report '' After a year to avoid negative credit effects I offered {$75.00} to settle the account. MID CNT CRSV refused and said they would only accept full payment to remove the information. 

It has now been over 8 years since I canceled service with XXXX and over 7 years since this charge was listed on my credit. I currently have a XXXX credit score and in all those years I have never had an open account in collections from any company. I believe XXXX and MID CNT CRSV are working together and using bully tactics by threatening to continue reporting old accounts so that they continue to damage credit scores in order to retrieve funds whether they are legitimate or not from past customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ARS National Services, Inc.
State: NC

Complaint narrative:
I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: CA

Complaint narrative:
Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: MIDFIRST BANK
State: MS

Complaint narrative:
I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?

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 2016-10-22 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:
I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''

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 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.

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 2015-10-27 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: OR

Complaint narrative:
I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VT

Complaint narrative:
I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 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: TX

Complaint narrative:
I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not 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 2017-02-16 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:
Dear Sir or Madam : FedLoan Servicing, a subsidiary of PHEAA, which manages the collection the student loan payments for the DoE, unlawfully and unethically administers the program in violation a various state and federal laws. Specifically, FedLoan Servicing engages in, inter alia, the following unlawful practices : ( 1 ) it charges usurious interest rates ; ( 2 ) it refuses to accept payments on weekends and holidays despite charges per diem interest on those days ; ( 3 ) it deliberately posts payments at least one day after receipt in order to delay processing and charge more interest ; and ( 4 ) it limits electronic payments to eight ( 8 ) per month. Despite multiple inquiries requesting the legal authority on which they rely, FedLoan Servicing ignores all communiques. Please investigate. Thank you. 

Very truly yours, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation