vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: TX

Complaint narrative:
Hi, I have private student loans taken out while I was in XXXX. I pay extra on these every month, directing my payments in an attempt to pay them down. 

I have XXXX loan with a ~ {$12000.00} balance at 5.4 % interest.In repayment since XX/XX/XXXX. I have paid {$230.00} over the past XXXX days and they are still showing I have a payment of {$150.00} due with {$50.00} of outstanding interest. I pay regular payments every month, in many case bi monthly and I still have large amount of interest outstanding across my XXXX private loans serviced by AES These loans have been in repayment since XX/XX/XXXX in the case of the other XXXX loans but the payment always goes to mostly interest, even with me paying extra. 

I do not understand how large interest amounts acrue with me paying regular extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
On late XXXX or XXXX XXXX of this year ( 2016 ) I received an annual escrow account disclosure statement from my mortgage lender, basically saying that they have reviewed my escrow account and the determination was that I had a surplus of {$3700.00} and a check will automatically be mailed within 30 days ( statement date was XXXX/XXXX/16 ). Exactly the same situation happened last year, I had an escrow surplus, a check was going to be mailed within 30 days and I did n't receive any check, either last year or this. They lie to me when they told me that last year they mail a check and because the check was not cash, it was deposited back to my escrow account ; the escrow account activity does n't show any withdrawal to reimburse me with the excess escrow funds. And this year after I called XXXX today ( XXXX/XXXX/16 ), they are revising the account again, even I have the statement from them confirming the surplus and reimbursement within 30 days. 
My mortgage company is SunTrust Mortgage. I believe they do unfair and deceptive acts and practices, use false and deceptive statements to withhold client 's funds in violation of homeowner 's rights and protections.

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 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Performant Financial Corporation
State: SC

Complaint narrative:
I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: ME

Complaint narrative:
Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.

Company response to consumer: Closed
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Van Ru Credit Corporation
State: NC

Complaint narrative:
I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Performant Financial Corporation
State: IN

Complaint narrative:
RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Community Health Investment Company, LLC.
State: NM

Complaint narrative:
Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Health Investment Company, LLC.
State: AL

Complaint narrative:
the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
The company refused to give me a modification, and i was approved and doing a modification under the XXXX old mortgage company. They refused to pay off my taxes under my home which was in the loan, when I would call all the reps would get smart and say well you owe the bill so you should n't be complaining. they refuse to give me a modification, and refused to hold off on a foreclosure when the application was submitted. it 's like they was n't trying to help me save my home all. i have left numerous messages for account rep and supervisors to call me none of this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I have not received any bill from XXXX XXXX hospital. However, XXXX XXXX XXXX ( XXXX, IN ) has sent me collection letter to pay {$1600.00}. I have requested in writing that I receive detailed bill from the hospital and also gave an offer to pay the account. However, XXXX XXXX XXXX has sent XXXX letter this time included my husband 's name on the collection letter. I feel there are XXXX violations ( XXXX ) I have not received any invoice in writing ; ( XXXX ) XXXX XXXX XXXX has included my husband 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Attended the now-shutting down XXXX XXXX in XXXX, CA. During my time as a XXXX, I had a car accident and had to leave before my finale year. Upon returning, my federal loans through XXXX seemingly split with Sallie Mae who was now handling them, but these turned out to be private loans. Now, my grandfather ( who co-signed with me ) are paying my XXXX XXXX private loans month-to-month and XXXX says I do n't have to pay until I find work, which I 'm not finding anywhere across the state of California, and Sallie Mae is calling us daily with robocalls to harass us to pay XXXX different loans at once. Initially Sallie Mae told me they would switch me to Graduate Repayment ( interest only ) but this has not happened, nor has consolidation ( XXXX XXXX also claimed to lower our payments but never did ), and I do n't know what to do. My grandfather is the only one generating income and it 's barely enough for us to keep the house, so we do n't know what to do and it seems like other students both from my school and around the country feel like they are being scammed by Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Consumer Portfolio Services. The interest charges does not match what they say it is. It is only corrected when I call every month. If no one calls about it they will take your money without a doubt. Rude customer service. Total rip offs!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: DE

Complaint narrative:
i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for 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 2016-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: MN

Complaint narrative:
Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation