vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc
State: MN

Complaint narrative:
Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 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: CT

Complaint narrative:
University XXXX, XXXX CTI have a private loan with American Education Services. 
There is a discrepancy with the interest I was charged and my outstanding balance. 
I will upload any documentation necessary for an assessment of this situation. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: PA

Complaint narrative:
My private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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: KY

Complaint narrative:
This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NY

Complaint narrative:
There was an update on an address that was just updated and its not mine I want it removed and investigated

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 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm having difficulties with ( free ) access to my credit report through the credit agencies. It appears that because I have requested a credit freeze the agencies have prohibited online access to my report and require me to submit a request by sending sensitive document copies through the mail. This article describes the problem I 'm having in more detail : XXXX I realize that it is not in the agencies ' business interest to make it easier for consumers to get free reports, but the barriers they have established are eroding the consumer rights granted by the Fair Credit Reporting Act and I think it is time to make a correction. 

Authentication could happen one time via the XXXX website and then allow the consumer to create credentials for future authentication. This would eliminate agencies using incorrect information for the authentication challenges and using credit freezes or data entry errors as an excuse for denying online report access. 

Thanks for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: DE

Complaint narrative:
I have been in the process of getting a temporary economic hardship forbearance since XXXX because I sat for the Delaware XXXX in XXXX and had no income until I began my clerkship a few weeks ago. For months now AES has misled me all while my loans have been accruing interest, penalties, and late fees. I have called every week and each week the customer service reps have told me they did n't understand why I kept getting denied because of a missing signature on a document I enclosed only for reference. To say I am frustrated is an understatement. I 'm trying to refinance my loans with a different company because AES and XXXX will not work with me at all for repayment options and have strung me along for months in trying to get this temporary forbearance. But I ca n't refinance my loans while they are all delinquent! AES is completely wrecking my credit and there is nothing I can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. It specifically states that This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

In my case payments were missed and delinquencies were first reported, however, retroactive forbearances were approved which covered the time frame in which the delinquencies took place. As per the FCRA section mentioned above the furnisher has a duty to correct/update this with all credit reporting agencies, regardless of weather they were accurate at XXXX point. 

I have requested the furnisher to correct and update the information to no avail. 

I then filed a dispute with XXXX and XXXX I provided them original approval letters from the furnisher of the forbearances in question which included the time frames which they covered. They stated that they sent the information to the furnisher but they did not provide updates regarding the payment history disputed, alleging no errors were present.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there

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 2016-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: CO

Complaint narrative:
I received loans in XXXX to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by XXXX. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in XX/XX/XXXX and have been there since. I have a great standing with my account there and have been trying to pay my way down. I do n't understand how you can stay in collections for 4 years+ until your loan is paid off. The loan terms state you may be in default after a missed payment, it does n't state how many or number of days, it also does not state that you must remain in default either. I took these loans out 10 years ago because it was the only option I had and I am almost XXXX and they are still ruining my credit. Every month it is stamped as collection whether or not I pay and my credit score has sat at a measly XXXX for the past 4 years because of it. I own up to my mistakes and understand the importance of payments but I do n't feel that I should have to suffer the rest of the {$13000.00} I owe in collections. I will never get approved for a house or car or school again if you continue to drag me down. The loans currently sit with XXXX out of Ohio. Which is also weird. I live in Colorado and the servicer is in Pennsylvania and New York I believe. So where does that put us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I submitted a modification package to Nationstar Mortgage. I was assigned to a single point of contact at Nationstar. On XX/XX/XXXX I was informed that Nationstar had received all the documents except for XXXX items which were the rental receipts for the rental property and the mortgage statement for my primary property. These items were sent to Nationstar on XX/XX/XXXX. On XX/XX/XXXX I was informed by Nationstar that they did not receive these documents and the file had been closed. The items were sent to Nationstar by email to XXXXXXXXXXXX and I received a verification email from them that it was received on that date. 

The documents were immediately sent back in and the case was reopened only to be told a week later that it had been denied because the investor who owns my loan does not do modifications for rental properties. Why did Nationstar Mortgage make me go through all the motions of sending in all my documents, asigned a single point of contact and have numerous conversations with me over that time if they were going to only end up denying the loan modification. 

The property is almost 200 % underwater with it only being worth {$520000.00} and I owe Nationstar over {$800000.00} for the property. The very fact that I still want to continue making payments to them when I will probably not have any equity in the home for years to come shows how committed I am to keeping the property and maintaining the payments. 

I was also told that investor is an anonymous entity that I can not even have the chance to appeal my case to and that is why I am turning to the Consumer Financial Protection Bureau to investigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Integras Capital Recovery LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.

Company response to consumer: Closed with explanation