vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation
State: TX

Complaint narrative:
On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.

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 2016-10-07 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: GA

Complaint narrative:
I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: OH

Complaint narrative:
I CONTACTED THIS COMPANY VIA US MAIL AND REQUESTED DOCUMENTATION REGARDING THE ACCOUNT AND THE DEBT THEY SAY I OWED AND REPORTED TO THE CREDIT BUREAUS. I NEVER RECEIVED A RESPONSE REGARDING THE VALIDATION REQUEST. I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH A XXXX WHO WORKS IN THE BILLING DEPARTMENT. THE REPRESENTATIVE TOLD ME THAT SHE HAVE NO IDEA OF WHAT THE ACCOUNT COLLECTION ASSOCIATES HAVE BECAUSE I HAVE NO PAST DUE BILLS WITH THEM. I REQUESTED AN ITEMIZED STATEMENT, COPY OF THE CONTRACT WITH THE ORGINAL CREDITOR, THEIR LICENSE TO COLLECT IN MY STATE AS WELL AS HOW THE AMOUNT THEY SAY I OWE WAS CALCULATED. RIGHT AFTER I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH XXXX, I IMMEDIATLY SENT A LETTER REQUESTING THIS COMPANY TO VALIDATE THIER CLAIM, AND THEY NEVER RESPONSDED. BY FEDERAL LAW, THEY ARE REQUIRED TO VALIDATE THIS INFORMATION WITH ME AS WELL AS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: OK

Complaint narrative:
I have an address I have never lived at.. The address is XXXX XXXX XXXX XXXX XXXX, ok. XXXX I do n't even know how it got there.. Would like it removed please..

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 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: OH

Complaint narrative:
My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
The company does not work with me. I have been applying for lower monthly payments for the past 5 years and they always lose my paperwork so when I call they say I never applied even though I have the application number. I always get the run around and I can not ever speak with previous customer reps. I can not afford this my Mom was diagnosed XXXX XXXX XXXX XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.

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 2017-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.

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 2015-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Nicholas Financial Inc.
State: KY

Complaint narrative:
I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem

Company response to consumer: Closed
Consumer complaint received 2015-10-29 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: MI

Complaint narrative:
I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: MD

Complaint narrative:
If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.

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 2017-01-18 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: CA

Complaint narrative:
When I got into XXXX school my loans went into deferment, I have tried to make payments but have not been able to. I contacted them about getting my loans off of deferment but received an email that did not address my concern. Specifically, the email I received said my request for lower payments was denied, that 's not what I inquired about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APPLE RECOVERY, LLC
State: NM

Complaint narrative:
Telephone calls everyday trying to collect on debt of someone who does not live at this address and that we have never heard of. In addition, we have owned this telephone number for over 11 years.

Company response to consumer: Closed with explanation