vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.

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 2017-02-24 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: AR

Complaint narrative:
I borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: OH

Complaint narrative:
I took out a student loan to send my XXXX daughters through college at XXXX XXXX University. XXXX graduated from XXXX in XXXX ; the other in XXXX. Just as I was starting to pay the {$110000.00} loan back ; my husband ( who was a XXXX and main bread winner, as I am a XXXX ) had a XXXX on XXXX XXXX, XXXX. He had XXXX XXXX over the course of a year and a half - and had to go on social security XXXX. The loans are in my name alone, so we could not qualify for loan forgiveness. We lost our cars, our home, everything - and of course my loans went directly into forebearance. Fast forward to today. My loans have ballooned into an insermountable amount of almost {$200000.00}. I am XXXX years old. I ca n't understand why a serious medical happening would not allow me to " freeze '' my accounts ( so as not to accumulate so much interest and penalties ). This seems almost illegal and if not, definitely unfair. How can I ever climb out of this hole - a hole that through no fault of mine I fell into that I can not get out of. My credit is ruined. I ca n't even buy a small house or condo because of that. It seems that there should be medical exceptions to loan forgiveness ( if you can show proof - which we of course can. ) It hangs over my head daily - and it keeps growing and growing, because I ca n't even afford XXXX of hwat the minimum monthly amount is. I am stuck, lost and scared to death. XXXX XXXX XXXX, XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COLLECTION SERVICES OF ATHENS, INC.
State: NC

Complaint narrative:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

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 2015-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: IN

Complaint narrative:
I took out what I believed to be a private personal loan in XXXX from XXXX. This was not based on my attendance at school or any other financial aid but was considered a " private signature loan ''. In XXXX, I fell on financial hardships and filed for bankruptcy which was discharged in XXXX. The lender received notice and did not object to the discharge during the bankruptcy proceedings. I was led to believe that the loan was eventually discharged with the bankruptcy in federal court. However, in XXXX, after a series of transfers of holders, the lender 's newest agent sued me in Indiana XXXX XXXX, arguing that they were a private student loan that met the priority exceptions to bankruptcy. However, they are not specificied as a priority that is listed in the statute and I believe they should have been discharged with the bankruptcy. I need to know how I can tell if this loan was considered dischargeable or not. I pulled my NSLDS record and they are not listed as a government backed student loan as required under 11 USC 523 ( 8 ) a. Nor do I find that they are a qualified student loan under 11 USC 523 ( 8 ) b. Please advise me to the appropriate source to determine for sure whether or not the loan qualifies to survive bankruptcy and whether I would or would not owe it. I have consulted several attorneys who seem to say this is too technical and there should be an easy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: DE

Complaint narrative:
On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Opened account last week. Told me to come back the next day and I can cash heck. Went next day there closed. Nice. So I waited then just deposited it. One week last. We have a paper fee monthly fee, and some early fee. And hold on act. Ok. So I decides to close it and go to different bank. O a fee for closing account. So I will b lucky to get maybe a couple XXXX if I 'm lucky ... m

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Performant Financial Corporation
State: IN

Complaint narrative:
This is the third time I 've had to contact CFPB about a student loan that went to collections and I 'm trying to set up a payment plan. Case # XXXX AND XXXX. The last correspondence from Preformant Recovery XXXX XXXX informed me the policy had changed and I could sent the XXXX. This was faxed along with the first page of his letter. That was the first week of XXXX 2016. I than called XXXX XXXX and was able to leave a voice mail for him on XXXX XXXX informing him of the fax sent yet no written correspondence of a payment plan. I 'm trying to repay what I owe, but working with Performant Recovery is challenging. Is it their intent just to garnish wages than actually work with you? I have a file folder of all the correspondence which is over XXXX '' thick where I 've repeatedly sent letters and the required documents without any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Van Ru Credit Corporation
State: CA

Complaint narrative:
I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I XXXX XXXX received a notice from XXXX around XXXX XXXX. 

This letter i docT XXXX an amended complaint to add Legal Trust BY US Bank Ntional Assocition Personal Representatives vs XXXX XXXX et al. 

I am the alleged investor where I own these investments as 3rd party beneficiary thorugh my ownership through XXXX, and my barcley shares and through XXXX XXXX XXXX and XXXX. 

What the problem is these investments are unsecured debt and that is supported with my claims with the IRS Criminal Division which are attached dated XXXX XXXX, XXXX. These assets were backdated and never funded the trust and would be subject to 100 % tax penalty and there are multiple servicers. 
That is supported with the XXXX XXXX letter dated XXXX XXXX, XXXX where XXXX is the servicer and another letter from XXXX XXXX dated XXXX XXXX, XXXX from XXXX XXXX where XXXX is the servicer. 

XXXX XXXX did assignment on XXXX/XXXX/XXXX where she backdated the assignment not complaint to the tax code to fund trust XXXX CFR XXXX XXXX REPORTING WHICH IS GOVERNED BY NY LAW AND FORM XXXX FROM ORGINATION OF TRUST TO THE TRANSFERS TO DATE FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL FORM XXXX FILLED XXXX/XXXX/XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX MERS THERE are multiple mortgages on this house unsecured debt and supported by the XXXX XXXX case. 

this matter is being disputed under the fdcpa i need complete history under qwr and diligent inquiry and any forced placed insurance and distued under sox act sec XXXX and other sttures ture act as me being an investor and the trustee indebture act and filling false and misleading states i also must point out i am the expert under rule XXXX and sincece where such assignments are not produced are admission of guilt under XXXX v. Texas. since a fiduary responsibility is required to file such tax forms and you now know these debts are unsecured qnd sending false and misleading information is allegedly mail or wire fraud. I also did receive credit offer from XXXX XXXX which is on file with the CFPB already. The amounts are false and misleading as well and possibly forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.

Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Van Ru Credit Corporation
State: DC

Complaint narrative:
I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.

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 2016-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: UT

Complaint narrative:
Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: College Assist
State: CO

Complaint narrative:
XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.

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