vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
We sent a check of all past due on XX/XX/2017 TO AVOID FORECLOSURE and today we were served with court documents. 
We have been doing everything they ask of us and now the mortgage co. Says they thought the check was " for repairs ''? 
The legal fees are adding up as well. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: NY

Complaint narrative:
Performant is a collector. I have XXXX defaulted student loans. I have been making rehabilitation payments of {$410.00} a month off of a debit card since XXXX 2015. I have also been making additional, voluntary payments of {$580.00} a month. I noticed that although I made the additional payment a number of times on the first of the month, that it did not get credited by performant until the end of the month. I called Performant at least twice to try and find out whether the {$580.00} was being timely applied to my debt ( so as to decrease the interest that accumulates ). Perfomant 's operators got irritated with and put me on hold for long periods of time. I never got a satisfactory answer.

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 2017-03-17 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: NY

Complaint narrative:
We have been making payments to performant agency since XXXX. We were told to make a payment plan and pay for 4 months in a row and then we would be released. We had to start over at least 3 times with the payment plan for various reason and also the IRS has taken XXXX income tax returns XXXX and XXXX which is not reflected in the balance. I want to know my correct balance including

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 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Sent a QWR ltr beginning of XX/XX/XXXX with to this date no response. I would like to know the owner of my mortgage and who holds the note. I also have a discrepancy with my interest rate that was suppose to be fixed and it was raised when fay servicing took over. I never received anything stating new ownership! I also was working on and sent a settlement pkg. that fay servicing never responded too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Our mortgage was bought by Fay Servicing. We were told that the process would be easy and we would have an account manager that would handle our file. That was XX/XX/2016. We started out behind in payments since I never received the welcome packet to tell me who to call or where to send payments. Fay Servicing does n't offer weekly payments, so that put us in a bind. I asked for a loan modification and was told I would get a call from a loan specialist and never did. We started falling behind and I emailed and left messages for our account manager no return call or email. Finally I found the Loss Mitigation Package paperwork, filled it out and sent in all documents. I have since been contacted via letter wanting more info, and once by email by our account manager for a more recent check stuff and bank statements. Now they are sending people out to make sure we still live here like we are going to just run off, we want to keep our house they are the ones that are none responsive. We need help, Fay Servicing does n't contact their customers and the account managers must have too many files to deal with, because ours takes weeks if not months to contact us back if she does at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Card Receivables Fund Incorporated
State: TN

Complaint narrative:
This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: MA

Complaint narrative:
I was under the impression that my student loan was forgiven. I borrowed {$25000.00} in XXXX. After many years, moving from XXXX to XXXX to XXXX I went through many hardships and finally I saw the light at the end of the tunnel when I applied through a document in my work to American Education Services. They then connected me with XXXX XXXX XXXX XXXX for student loan forgiveness and XXXX XXXX in XXXX consolidated my loan she works for XXXX XXXX XXXX, paying {$50.00} a month and stated that in XXXX XXXX my loan will be forgiven. But, in XXXX XXXX XXXX XXXX did not honor it and stated that I have to go back to paying {$340.00} a month. I have contacted XXXX XXXX and after investigating they suggested that I should contact you. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: AK

Complaint narrative:
Changed payment plan thru fedloan based on income and on the federal service loan foregiveness plan which only counts if you make 120 on time payments. I have had money directly withdrawn every time for the past 4 years even when changing plans. This time they did not withdrawn payment and indicated had to be done manually. I called as I noticed it has not been withdrawn. This was not clear in letters and is misleading. Had I not called, my payment would have been late and I may not have qualified for the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 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: DC

Complaint narrative:
Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: IL

Complaint narrative:
I have XXXX issues. The first is I have student loans that were discharged through a ch XXXX bankruptcy that are reporting negatively on my credit reports even though they were discharged. The 2nd issue is I am being told that I have a consolidation loan. I NEVER took out this loan and it has been sold to a 3rd party. The servicer will not help and it has been sold numerous times. I have been garnished in the past. When I ask for proof of the debt they send me a copy of a promissory note that does not have my signature and has my minor child listed as a reference. I did not authorize or apply for this loan. Nor did I benefit from the proceeds of the loan. This is impacting me in a devastating manner. I can not obtain any credit and I am unable to obtain things such as housing and employment due to the negative impact of it. I have asked for hearings and followed the chain of command but they keep canceling the the hearings then selling it to another collections agency. The loans have ballooned over time along with collections costs. At the time I was not even enrolled in school or had a need for consolidation because I was not in enough debt. I am unemployed and without any liquid assets or property. I also have a minor dependent. 
The servicers are AES/PHEAA, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: NM

Complaint narrative:
In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I am making payments twice the amount owed every month and the amount deducted decreases my loan a few dollars. I am concerned that this loan will never be payed-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: SC

Complaint narrative:
I am currently XXXX. American Education Service ( AES ) has sold and defaulted a private loan on XX/XX/XXXX no notice was received. AES is stating they are no longer servicing this loan while reporting a {$38000.00} debt while the account balance on their website indicates a {$0.00} balance. In addition, the loan original balance was {$15000.00} while AES reports the loan about to be approximately {$38000.00}. The {$15000.00} loan was under forbearance XX/XX/XXXX to XX/XX/XXXX. During the forbearance period AES more than doubled the loan amount to approximately {$35000.00} on XX/XX/XXXX. This loan was also approved for deferment from XX/XX/XXXX to XX/XX/XXXX -- this loan was sold off during the deferment period as a charge off delinquent debt on XX/XX/XXXX. In addition, I should have been covered under SCRA protection due to military service XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. I have attempted to contact AES several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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: LA

Complaint narrative:
I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.

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 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: SC

Complaint narrative:
They will not provide me proper documentation to of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIS DIRECT LENDING
State: NC

Complaint narrative:
I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived.

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