vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: DC

Complaint narrative:
I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: ME

Complaint narrative:
I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my XXXX and limited XXXX income. I am prepared to file for bankruptcy XX/XX/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my XXXX. I understand these loans do not have a forgiveness option. I did have other student loans with other companies which did not have a forgiveness option, and they chose to make an exception and forgive my loans anyway due to the severity of my XXXX and I am aware that National Collegiate Trust also has the discretion to do this. I have been XXXX for over 4 years and there is no cure for my life-threatening disease. I will have this disabling condition the rest of my life and will not be able to return to work and it will eventually result in my early death. 

Please seriously consider my request for loan forgiveness. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I received a notice on Saturday, XXXX XXXX, 2016 XXXX from creditkarma.com that my password has changed. 
I did n't make this request which came in conjunction with credit card number, being stolen and used fraudulently, and an attempt to hack my yahoo email and XXXX account which, to the best of my knowledge, failed. 
An email dialogue ensured which I have printed out in PDF format The highlights include : - They think I am XXXX XXXXXXXXXXXXXXXXXXXX which they should know I am not because I told them so 14 times and because they are emailing XXXXXXXXXXXX not XXXXXXXXXXXX. 
They actually published XXXX XXXX 's DOB which is personally identifiable information ( PII ) over clear text email to me ( XXXX XXXX XXXX ) who self-identified as NOT XXXX XXXX 
At this point my conclusion is either : Credit Karma has been hacked and their email being used by fraudster 's as a phishing attempt. 
Credit Karma is inept and shares DOB over clear text emails and expects me to do the same. 
The email dialogue is attached. They explicitly declined to call me or give me their number. I can not find their number on the web for credit karma. In their email contact they publish a bad number XXXX XXXX XXXX XXXX which is not their company when I call it. 

I submitted a police report this evening in person to police XXXX XXXX XXXX ( on the XXXX XXXX on the evening of XXXX ) of the XXXX, XXXX police department. The police report number is XXXX Jus email is XXXXXXXXXXXX. 

I am foggy on next steps. I would really appreciate an investigator to figure out what 's going on. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: OH

Complaint narrative:
Since XX/XX/XXXX, American Education Services has increased the interest of my student loans. Account number in reference is XXXX. Please see below. 
LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.180 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.200 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.250 % XX/XX/XXXX There is no specifics as why the increase in rates for 3 consecutive times within a year. I would like to investigate and find a resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: OH

Complaint narrative:
I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: TX

Complaint narrative:
There is name listed as XXXX XXXX XXXX listed on my credit report. This middle initial is incorrect. 

My name is XXXX XXXX XXXX. 

Thank you.

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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I think that Suntrust opened and closed accounts in my name that I was unaware of, then charged me overdraft fees for those accounts. I think this took place in the XXXX - XXXX time period.

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 2015-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: FL

Complaint narrative:
I was told in may that I would be getting my new bill on XXXX XXXX and that two weeks after that I would be notified on my new repayment plan under repay. On XXXX XXXX, 2016 I still had not received my forced deference bill and called to find out what was going on. I was told by employee XXXX that I did have a bill but that It would not post to my account and as soon as I paid it I would then get my new repayment plan in about 14 days. I paid the {$5.00}. Then On XXXX XXXX I got a bill for the amount owed. I again paid the amount again which if I had been given the correct information I would have only paid once. Aside from the fact I was prohibited from making a payment on a payment plan now I can not trust the information that I am being given by Fedloan servicing. The customer service personnel need to be properly trained not to give information if they do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NM

Complaint narrative:
I applied and received a student loan from XXXXAES. My husband was the cosigner and the only one with income. He was receiving Military retirement and XXXX. He passed away on XX/XX/XXXX. I am unemployed and have been since XX/XX/XXXX. I have spent the last 10 years taking care of my husband. At the present time, I have limited income and not able to make payments. Since I have been out of work for so long I am having a hard time finding employment. I contacted AES they were going to send me a form to complete and return to them for forbearance. I never received the form. I would appreciated any assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: AL

Complaint narrative:
I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Our discharged mortgage was sold by XXXX XXXX to an unknown investor XX/XX/XXXX with Fay Servicing LLC out of XXXX, IL being the new servicer. We were promised by Fay Servicing that they would help us stay in our home and that they would grant us a legitimate mortgage on the current market value of our property. This has not happened, to date. We filled out financial papers and then by XX/XX/XXXX the representative called us saying we were approved for a modification of the old discharged underwater mortgage. We were confused. The representative then told us that the deal is we would pay three monthly good faith payments at {$2600.00}, then after that the payments would be monthly {$2400.00}. Then they said after a year we could get a real mortgage at the current market value of our home. So we agreed and I had asked for this in writing which we were told would come in the mail which it did on XXXX XXXX XXXX. Problem is, the contract was NOT what the representative told us. On these papers, it said we had to come up with on XXXX XXXX XXXX {$7800.00}!!! There is no way that we could come up with this much cash in three weeks time! Especially after all the financial hardship we have endured thanks to the collapse and slow down of the economy after XX/XX/XXXX. We showed these papers to our attorney, and he said there was a discrepancy and that it is not clear so he told us to send in a payment of {$2400.00} which is what we could manage. They cashed this check then we get a phone call several days later. Then we received a threatening phone call that if we did not come up with the money by XXXX XXXX, they would proceed with foreclosure!! We do n't want this we want to stay in our home! We have been mislead and deceived by Fay Servicing since the beginning of the year. We require that they stick to their word originally and stop jerking us around! This is fraud, unprofessional and demeaning to us as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Performant Financial Corporation
State: PA

Complaint narrative:
I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!

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 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
Threatening to visit my home or job

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
On XXXX/XXXX/2016 around XXXX EST I received a call from a XXXX XXXX at Deville Asset Management LTD in regards to my past due XXXX Account. I answered the call from work because we have been playing phone tag to request a call back in a hour when I punched out. XXXX XXXX than proceeded to tell me I never answer the phone, I attempted to explain to him I got in a car accident the beginning of XXXX. I was on my parents insurance and they do not wish to file a claim through insurance so my medical expenses are out of pocket. XXXX XXXX proceeded to call me a thief and began to get really hostile. I explained to him I am a single mother trying to pay off several balances, than he called me a liar!! I requested to speak to his supervisor who stated he was The Director of Collections. He told me he knows his colleague and there is no way he talked to me in that manner. He stated he would pull the call but I am not sure if that ever happened ; I explained to him I would be filing a complaint because there are ways to collect debt. I worked for XXXX XXXX XXXX for almost 5 years collecting on credit cards, single mothers, elderly, and individuals experiencing financial hardship should not be treated as criminals!! He said that was good for me!! A hour later I got a call from a supervisor and I advised her I would rather involve a third party and she got frustrated and disconnected the call. 

There are still MANY PEOPLE TRYING to rebuild there lives from the past recession and the DAILY financial war we battle DAILY!!! 

I communicated with XXXX XXXX in XXXX advising I would rather do a settlement option because I can not commit to an extensive payment program working as an independent contractor. I have student loan debt, liens, credit cards and much more. I am doing the best I can with an income under {$20000.00} per year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.

Company response to consumer: Closed with explanation