vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
ocwen is my mortgage company that is not my primary. they are the worst!!! this complaint is that when i moved they did not forward my change of address, so by the time i realized my ins had double, it was 3 months in. i found new company for ins and returned the balance insted of putting it to escrows they applied to other payments. i had made a call telling them i wanted it to go to escrows because then the payments would go back to normal. they did not i have been fighting with them since XX/XX/XXXX and now this is hurting my credit. i have a man named XXXX XXXX fromocwen who is suppose to be my consular, he agrees with me that that would have been the correct way of handling the return of ins. he was suppose to make them do that and get back to me. i have called and left a number of messages and he has not called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: FL

Complaint narrative:
On XXXX XXXX, 2016, written instructions were sent to American Education Services as to how my extra payment should be apportioned. The language in the letter to American Education Services was clear and unambiguous. Rather than apply my extra payment as directed ( toward XXXX loan in particular ), American Education Services apportioned the extra payment toward XXXX separate loans. I am attaching the letter sent, in addition to the screen shot of how the payment was apportioned. Although I was advised that the payment would be corrected and apportioned as directed, no correction has occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: FL

Complaint narrative:
Prior to enrolling into XXXX my biggest request was scholarships. I was advise since I was from the XXXX XXXX vs being a resident of the state of Florida I do not qualified. I learned from another XXXX XXXX XXXX citizen this simply is n't true as they received assistance through scholarships. Being from the XXXX makes me a United States Citizen. I went to several XXXX reps who advised there is nothing they can do, and being a minority I owe what I owe. The school I enrolled and graduated from is XXXX in XXXX XXXX it has been closed down. Those employees no longer work for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I applied for Community Reinvestment loan with Suntrust Bank many times Loan Application - Reference # XXXX ... This bank never have given me a loan. I would not complain but Suntrust is always saying is willing to help the low income community.Poor, XXXX, but when comes to loaning funds out Suntrust has refuse many loans for the XXXX community. Suntrust XXXX. This banks needs to stop saying the are here to help the poor with CRA loan and not give this money back to the community they make money off of. 

Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls. 

Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Midland Mortgage is refusing to pay property insurance from escrowed funds. 
Midland Mortgage is threatening to put forced place insurance on the property.

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 2015-09-05 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: CA

Complaint narrative:
In have a question : My student loan was purchsed by American Education Services recently. They sent me a statement showing XXXX due. I mailed a payment of {$100.00} which should have been applied to the principle, but they applied it to interest. When I called about it, they stated that payments go to interest first. That is fine, when there is a balance due, but there was no balance due when I mailed the payment. Please advise. 
XXXX : XXXX University XXXX XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
AS OF TO DATE THE COMPLAINT LISTED IN THE PAST COMPLAINTS HAVE NEVER RESPECTED RIGHTS OF MY FAMILY AS GOOD CONSUMERS. OUR HOUSE LISTED AT XXXX XXXX XXXX, XXXX, GEORGIA IS WITHOUT THE PROTECTION UNDER LAW AS IT RELATE TO THE 14TH AMENDMENT OF THE CONST. ; GEORGIA LAW OR XXXX U.S.CIVIL RIGHTS LAW : CHAP. XXXX, XXXX ... .THE FRAUD MUST END WITH HUD AND OTHER GOVERMENT AID AND ABETTING THE FRAUD OF XXXX. ( XXXX ) AND XXXX. COVER-UP.PLEASE READ THE ATTACH COMPLIANT FILED XXXX AND {$250000.00} IN DAMAGES.

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 2016-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: VA

Complaint narrative:
I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: FL

Complaint narrative:
This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB.

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 2015-09-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I received an unsolicited " XXXX '' prepaid card directly from SunTrust XXXX XXXX, FL ) via USPS mail. I reside in XXXX XXXX, California. A reasonable person would think that receiving the card this way infers that it was sent via a third party as either as gift or payment of a claim or refund. 
Only after " biting '' and following the instructions given to activate the card was it clear that was not the case. Now I feel I have been " fooled '' as they have my phone number and codes I used to activate the card ... the card I then found had a zero balance. 
It is important to note that this card carries baggage with it in the form their sharing if my information to other third parties and of very high fees for almost any transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: CA

Complaint narrative:
They will not assist me in retrieving my loan payment history since the loan was created or the original promissory note. They will not lower the interest rate of 13.75 % or negotiate payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
My credit report still showing an auto loan which was pay XXXX/XXXX/2010 to SunTrust bank. How long take to clear that account from my credit report. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: NY

Complaint narrative:
I was never given the credit for payment made on my student loan account in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: OK

Complaint narrative:
I have loans with FedLoan. I requested a new repayment plan beginning XX/XX/XXXX. I have called every month requesting information regarding the status of my loan. I was told that they were having trouble processing applications due to the amount of requests. But during this time I had to place my loan in to forbearance, gathering interest. I called back again and they told me that it was processed but I needed to take further steps. I completed these steps and the representative told me that I would receive something in the mail with in a week. I called back again and was told that it would take one to two billing cycles to complete. I had to extend my forbearance again. I called a month later and again was told that it would be another month before I could make a payment on the new payment plan. I was informed by this representative that I was misinformed by the last representative I spoke with. It has been four months since I first submitted my request, and have been told that it could be two more months before I start payments. That would be approximately 6 months of interest being gathered during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: OH

Complaint narrative:
XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up?

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 2015-07-27 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: TX

Complaint narrative:
Dear XXXX XXXX, I was wondering if you could help me with a situation I am having with American Education Services ( AES ), and XXXX. They service private student loans. I was wondering about some of their practices. 

They withhold essential contract information such as, -Minimum payment information-Available programs for payments during difficult times-Direct contact information for my actual lenderWhen I have called and asked what my new minimum payment would be, they ask what I can afford, when I tell them they say it is too low. I had a XXXX minute conversation with the representative, where I had to go up in increments of {$5.00} until I hit their minimum amount. She said it was against company policy to just tell me the amount. It was humiliating to reveal what I could pay, and know they knew the right answer the entire time, and did n't tell me. 

What I am wondering is, is n't it illegal to withhold essential information in a contract from the other party? I do n't remember signing a contract for student loans that said, " I agree to your terms and conditions, including the ones you wo n't tell me about ''. Do n't they have to disclose all information regarding my student loan payments in detail. 

Another example of withholding information is information regarding available reduced payment options. I have called representatives at AES and asked, " If I am late on my payment what are my options? '' They have answered, " We can only tell you that there are options available to you, but not until after you are late. " Then, they do n't give me any details. I want to be able to plan. If the payment options for being XXXX days late are all different, should n't they be required to tell me that information, so I can establish a financial plan based on what 's coming? If they do n't give me this information, and I just sit there and wait, that impacts my credit. They are essentially forcing me into a worse situation, by making me wait until I am late, to find out what the new payment would be. I am taking a risk, because I do n't know how low the new payments are, but I do know that my credit score will be damaged. 

When I ask them for direct contact information to my lender, they say they ca n't give it to me. Do n't have the right to know who is actually lending me money? Please excuse the extreme example, but I would like to know if my loans have been bought by a XXXX, or XXXX. I use that example to illustrate that I think I should at least know where the money is coming from. 

If any of this is illegal, is there something that can be done about it? If so, does this mean they are in violation of the contract by not telling me the complete details? Please let me know if you need any further information from me. Thank you in advance for your time and help, I really appreciate your efforts to protect consumers. I look forward to hearing from you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation