vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: NH

Complaint narrative:
I am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: OR

Complaint narrative:
I have been dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: GA

Complaint narrative:
I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 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:
I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: IL

Complaint narrative:
Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. 

I have also reported them to the attorney general of Illinois. 
No one needs my SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: IN

Complaint narrative:
I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment. 

Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment. 

The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up. 
We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have received over 30 calls in the last 20 days from Suntrust Mortgage to collect a debt on my mortgage account. It is documented on my cell phone. It is intentional harassment, which is part of Suntrust business practices.

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 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Although Credit Karma is not a " reporting agency '', they claim to provide this service to consumers and if their information is no correctly accurate, it affects my decision to make a request for credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.

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 2016-03-31 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: UT

Complaint narrative:
when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.

Company response to consumer: Closed with explanation