vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation
State: CA

Complaint narrative:
I have been paying thru garnishment of wages for a loan that had a amount due on {$18000.00} as of XXXX XXXX 2012 based on a order to withhold from earnings. The payments have been going to Performant Recovery as of today my employer approached me and gave me a summary of payment showing they have paid {$18000.00}. upon calling performant they are saying I still owe {$4000.00} and this will accrue interest of {$65.00} per month. 

I employer said it has been paid, please help performant will no negotiate I tried offer a settlement payment they would not accept.

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 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: ME

Complaint narrative:
Our mortgage started out with XXXX Mortgage Company in 2007, then was sold to XXXX XXXX. We have had some difficulties with our mortgage due to insurance that was added even though we had homeowners, which went to litigation. We did eventually receive funds back, but then our loan was turned over to XXXX Home Loans, now Fay Servicing. When we were with XXXX, I received notice that the city was putting a lien on our property due to non payment of our property taxes. We paid escrow payments every month, faithfully to cover our homeowners insurance and property taxes. This was not being done until I called XXXX and asked them about the issue. After our taxes were caught up, our loan was turned over to Fay Servicing. Fay informed us that our monthly house payment is going up over {$100.00} a month due to an escrow shortage. This puts our mortgage payment up significantly and will be hard to pay every month. Please, can you help us to understand what has been happening to our escrow payments that we paid every month? This is our complaint and plea for help! Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
This was a fabricated debt from someone who knows the owner of Collection Bureau Inc and used the power they had to file negative information on my credit report to lash out personally towards me after I disputed the debt when I talked to them and requested written information pertaining to the claims of the debt they offered nothing until I filed a XXXX complaint after they already damaged my credit score and good name. The correspondence they sent was nothing on their collection attempts and the party that engage them to do so had nothing as well. This is the perfect example of abusing the system and laws and regulations of collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Performant Financial Corporation
State: KY

Complaint narrative:
Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the " rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? Please help me!

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 2016-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC
State: AZ

Complaint narrative:
I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: GA

Complaint narrative:
On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 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 have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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:
I have been trying to get on a program for nearly a year now that I can afford. I first started with my original service who denied the applications after many months of multiple attempts and then told me to consolidate and my loan via fedloan servicing and get on XXXX. 
My loan was consolidated on XX/XX/XXXX and I was told that my XXXX would be done around XX/XX/XXXX or XX/XX/XXXX and that it looked good. I kept calling and getting the status with them saying it looked good and once asked for me to send them my paystub, which I did. 
My loan just came up for repayment which says it is XXXX per month! It is on a XXXX year loan. My loan was half of this but with the compounding interest the loan is now nearly double what it used to be. 
I called today to tell them I really need them to finalize the XXXX as the loan is just compounding interest and the standard loan is just getting higher and higher and now it is nearly a third of my take home. 

They told me I need to submit another application!!!!!! Once again for the XXXX time. I have no idea why this is. They have been telling me it was ok the whole time and that everything looked good. It is becoming impossible to get on this loan program. 
This is criminal and predatory practice to keep me in application status for nearly a year between XXXX and now Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 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: MD

Complaint narrative:
I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. 

After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 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: AP

Complaint narrative:
Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: IL

Complaint narrative:
Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money. 

Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.

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