vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Performant Financial Corporation
State: CA

Complaint narrative:
Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. 


XXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. 
You should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: SC

Complaint narrative:
-Consistently miscommunicating information about my student -Consistently contacting my cosigner before making contact with me -Falsely reporting information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 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: IN

Complaint narrative:
FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 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: MO

Complaint narrative:
I graduated in XXXX, right as the economy started its fast spiral down. I have not been able to get a job in my profession, and have been working jobs that pay less than {$5.00} over min wage to support myself. In XXXX, I was diagnosed with a XXXX ( which is covered under the ADA ). Since then, my out of pocket medical has increased exponentially over the last ten years. With the passing of " Obama Care '' I have also had to purchase my own health insurance ( the XXXX level plan my employer offers does not meet my needs ). 
Since XXXX, my medial expenses have been more than XXXX of my net income. It has been an issue paying back my loan due to the extensive medical costs i have encountered ( XXXX ). 
I have attempted to return to class, in order to maybe gain a new profession. In XXXX I was in class, but had to drop due to lack of transpiration ; but I was seeking an XXXX degree. I started having sever issues with XXXX, and XXXX ; due to XXXX resulting from my XXXX. In XXXX I returned again, I dropped XXXX class due to not being able to XXXX. The last time I was in class was XXXX, and I was not able to complete the term due to having a XXXX. In early XXXX, my doctor and I were evaluating options to keep me from starting XXXX and preparing for XXXX, due to my XXXX. 
I have taken multiple deferments. It comes down to either I pay for medical or I pay for my loan. During my conversations with the standard reps ( people who answer while calling ), a few supervisors, and mid managers ; the general message they have conveyed is that they do n't care, I need to pay them. So my option is pay them, or die. 
I have filed multiple XXXX complaints against my loan company. They have provided false information to the XXXX and me through the XXXX. They have also violated mediation terms through the XXXX. They have been involved in harassment through the mail and by phone. 
I would like a review of their business practices, as well as a possible violation of my rights under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: LA

Complaint narrative:
This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-24 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: TX

Complaint narrative:
I took out a private student loan from XXXX Student Loans. I had the payments auto deducted from my bank account the last XXXX years with no problem. I changed banks in XXXX and switched my auto pay bank through XXXX. At this time XXXX 's student loan group was being bought by AES. The bank change never went through and because the loan was being transferred I lost the ability to view it online. XXXX acknowledged the issue and assured me the payment would be backdated based on it being their fault and any credit bureau reporting would be removed as a result. I spoke to AES and they also confirmed that the payment was backdated. When I went to get a mortgage it turned out that it was still showing negative. Now XXXX ca n't be reached an longer because they have closed up shop and AES has given XXXX different variations of what they are doing to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 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: KY

Complaint narrative:
I have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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: WV

Complaint narrative:
ON case # XXXX AES said that my loan was extended due to deferment - I never requested deferment and they are still withdrawing payments from my account. I have not nor will I sign anything. I want to know why my loan is in deferment and how it got there. I also asked for the information pertaining to arbitration ( where I needed to file and who to contact ) I was not given this information. This request was submitted in writing per AES 's request. Please provide:1. why my loan is differed2. what documentation was provided that requested deferment ( attach if you have please ) 3. a copy of the contract I signed with XXXX for loan XXXX. the information needed to begin filing arbitration as the changing of loan terms is illegal and makes the contract null and void

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed
State: OR

Complaint narrative:
Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 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 bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years. 

I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.

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