vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 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: IA

Complaint narrative:
In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: ME

Complaint narrative:
My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Optio Solutions, LLC
State: OH

Complaint narrative:
XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I informed bankunited years ago, and they posted it on my account that I could not make my {$23.00} per month in late fees which has now reached {$830.00} I am XXXX years of ageand have never been late, when social security deposits my check into my checking account on the XXXX wednesday of each month, the first thing i allways do is pay my mortgage.the late fees are adding up and there is no way to reason with bankunited as they are for the bank.please, please see if you can help me because with bankunited taking advantage of me, I can never get ahead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Bureau (Closed)
State: CA

Complaint narrative:
Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XXXX XXXX I received a letter from Fay Servicing informing us that they had acquired our loan from XXXX XXXX XXXX ( loan # XXXX ). 
The letter advised us that the first payment was due XXXX/XXXX/XXXX in the amount of {$1500.00}. Our payment had already been made in the amount of {$1500.00} which has been our payment since the loan was modified XXXX/XXXX/XXXX, never missing a payment and never late. 
I was assigned a contact manager with Fay Servicing by the name of XXXX XXXX. Phone # XXXX XXXX XXXX, email XXXXXXXXXXXX. I immediately contacted him by phone and fax as his email came back as undeliverable. 
I explained to him that our payment had been sent and received in the amount of {$1500.00} and asked why the increase in the payment. He told me it could be due to insufficient escrow. I advised him that our escrow payment was {$5900.00} per year and that our actual escrow amount was less than the paid amount. He suggested that I pay the difference of {$40.00} which I did ( confirmation # XXXX ) on XXXX/XXXX/XXXX. 
Our payment of {$1500.00} was returned to our bank on XXXX/XXXX/XXXX due to an invalid account number after receiving and processing our XXXX/XXXX/XXXX payment. 
Fay Servicing mortgage statement of XXXX/XXXX/XXXX shows payment of {$1500.00} was received but in " suspense ''. 
At this point we are not sure how much our payment is or if we are past due so we made a phone payment XXXX/XXXX/XXXX of {$1500.00}, tracking # XXXX. 
XXXX XXXX has suggested we ask for an escrow analysis which will take 30 to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! 

UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: CA

Complaint narrative:
During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.

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 2015-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: United Military Mortgage, LLC
State: AZ

Complaint narrative:
I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: OH

Complaint narrative:
Once i graduated i was not aware of all the Loans that i took out for School. A couple months after graduation i started receiving phone calls from Sallie Mae saying that i am past due on my balance. I first checked with the school to ensure that i did in fact take out this loan that was about {$7000.00}. Once i confirmed that i did i set a payment plan up with them. I was to pay {$700.00} for the first XXXX payments to catch up. My first payment was taken out of my bank account from Sallie Mae so i did n't think anything was wrong. I then got a phone call from a bill collector referring to the loan. I told them that i had worked out a plan with Sallie Mae and they had already taken the first payment. The bill collector said that i was to pay them due to Sallie Mae contacting them. I started paying the bill collector until i could reach out to Sallie Mae and figure everything out. It has been a little over a year and when i call them they say they are working on it and someone will call me back. I still have not heard back from them and this is ruining my credit. I still continue to pay the bill collector hoping that i can get this all figured out and restore my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NC

Complaint narrative:
I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. 
I went to XXXX College in XXXX, NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Element Global Services
State: CT

Complaint narrative:
The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SLM CORPORATION
State: AL

Complaint narrative:
i have not been contacted at ALL regarding this debt and not given an opportunity to correct or pay this debt. I have not received 1 letter regarding this debt. I would like the opportunity to start paying it and getting it off of my credit report. I would like to be contacted by mail. I am still a XXXX and do n't want this debt to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation