vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Was rejected for a mortgage so the mortgage company sent me a letter telling me that, and included Trans Union as a reporting source. Tried to log in at the website the letter advised me was there to provide me a copy of my credit report, and the site advised me that my report was not available due to a data entry problem. That error note gave me a phone number which I called to probe the problem. Over a period of 4 hours ( really! ), I spoke to 14 representatives - from consumer relations, the offline department, the online department, customer service. Each representative asked for my personal information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the other - and then back again. I never was able to get my credit report online.

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 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
ON XX/XX/XXXX MY CLIENT, XXXX RECEIVED A LETTER STATING THAT CALIBER HOME LOANS HAD TAKEN OVER HER MORTGAGE FROM XXXX AFTER HAVING ALREADY GIVEN A FULL HAMP APPLICATION TO XXXX. 
ON XX/XX/XXXX WE HAD TO SUBMIT ANOTHER HAMP APPLICATION TO CALIBER UPLOADED TO THEIR WEBSITE. FROM XX/XX/XXXX WE UPLOADED ALL THE DOCUMENTS REQUESTED FROM ALL THE SPOC REPS. 
THEN ON XX/XX/XXXX CALIBER WITHOUT ANY PRIOR NOTICE, CANCELLED AND DE-ACTIVATED OUR ACCESS TO THEIR WEBSITE TO UPLOAD ANY MORE HAMP DOCS. THUS, WE WERE UNABLE TO KNOW WHAT DOCUMENTS WERE ALREADY PROVIDED TO CALIBER AND ON WHAT DATES THEY WERE UPLOADED AS THE WEBSITE HAD ENABLED US TO DO. THIS SLOWED DOWN OUR HAMP APPLICATION SUBMISSIONS TREMENDOUSLY. 
AFTER CONFRONTING CALIBER WITH THIS EXTREMELY PREJUDICIAL ACT AGAINST XXXX THE SPOCS FINALLY GAVE US THE EMAIL XXXX TO SUBMIT MORE DOCUMENTS. 
UNFORTUNATELY, WE CAN NOT TELL WHAT DOCS. WERE ALREADY PROVIDED AND ON WHAT DATES. THEY CLAIM THEY DE-ACTIVATED US DUE TO A PENDING FORECLOSURE SALE WHICH THEY SCHEDULED FOR XX/XX/XXXX, WHILE OUR HAMP APPLICATION WAS STILL PENDING. 
THEN FINALLY ON XXXX, THE SPOC XXXX INFORMED US THAT CALIBER HAD RECEIVED ALL NECESSARY DOCUMENTS AND WOULD SUBMIT THE ENTIRE HAMP APPLICATION AND DOCUMENTS TO THEIR UNDERWRITER. HE THEN STATED THAT WE WOULD HAVE TO WAIT ABOUT 30 DAYS FOR A RESPONSE. 
THEN ON XX/XX/XXXX, OUR LAW OFFICE CALLED TO GET AN UPDATE AND CALIBER STATED THAT THEY NEEDED MORE DOCUMENTS AND THAT THEY HAD CLOSED OUR HAMP APPLICATION BACK ON XX/XX/XXXX. 
ON XX/XX/XXXX WE EMAILED THOSE DOCUMENTS. XXXX, THE SPOC SAID TO CALL BACK IN 1 WEEK FOR AN UPDATE. 
THEN ON XX/XX/XXXX WHEN WE CALLED BACK, XXXX ANOTHER SPOC IN XXXX. STATED WE NEED EVEN MORE DOCUMENTS. 
CALIBER HAS NEVER CALLED OR EMAILED OR FAXED OR WRITTEN ANYTIME TO REQUEST MORE DOCUMENTS. WE ONLY KNOW AFTER WE CALL THEM. THIS IS DUE TO THE HARDSHIP CAUSED BY THE ACCESS DE-ACTIVATION OF THE WEBSITE TO UPLOAD AND REVIEW DOCUMENTS. 
THUS, WE ARE FILING THIS COMPLAINT TO THE XXXX DFS TO COMMENCE AN INVESTIGATION INTO CALIBER 'S FRAUDULENT AND BAD-FAITH PRACTICES WITH HOME-OWNERS IN XXXX. IM VERY SURE THEY HAVE ACTED FRAUDULENTLY AND IN BAD-FAITH WITH MANY OTHER HOME-OWNERS IN XXXX IN ORDER TO FORECLOSE ON THEIR PROPERTY AND MAKE A PROFIT WHEN SELLING THEIR HOMES. WE ALSO FILED A COMPLAINT WITH THE XXXX DEPT. OF FINANCIAL SERVICES. 
PLEASE ACT EXPEDITIOUSLY IN THIS MATTER AS WE ARE ALSO TAKING THIS TO OUR US SENATORS AND REPS. IN CONGRESS FOR AN INVESTIGATION. 
WE ARE ALSO CONTACTING THE XXXX ATTY. GENERAL 'S OFFICE FOR AN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.

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 2016-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have a complaint registered against AES with CFPB. I am waiting for the resolution of that. However, AES recently submitted a negative report to the credit unions which resulted in a XXXX drop in my credit rating. I feel this is in retaliation for submitting the complaint to you. This loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: PA

Complaint narrative:
There 's numerous inquiries on my credit report showing over XXXX student loans. Luckily these were all consolidated, however they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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: NJ

Complaint narrative:
XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: NH

Complaint narrative:
My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was XXXX. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just XXXX yrs old and very naive, and my mother, who just lost her younger sister in a XXXX, that I was eligible for financial aid but had missed the deadline so I could apply the following year when application opened again and they would cover most of if not the full loan. So we trusted them and jumped in. Well that was all untrue. I signed up for the financial aid immediately after I graduated and was told that was not allowed bc I had to sign up BEFORE I went to school not after ... So back to today, My mom recently showed me a bill which shows we 've paid about {$27000.00} at this point but the balance is still just over {$50000.00} ( Come down only about {$4000.00} ). We are in over our heads and the loan company has not been helpful with options. They gave us our XXXX allowed forbearance early on and had us pay just interest at XXXX point for a year or two as well if I remember right ( I can get all this exact info later if needed ) but otherwise it seems we 've exhausted all our option and now my mother is about to move out and wo n't be able to afford the bill so she wants me to pay it and with my own children to care for ( including tuition for XXXX ) and a high rent for our home plus car payments etc there 's no way I can do this. I am so worried about my kids and I ending up on the streets over this and my older son having to leave his school and really need some help getting some of the {$27000.00} paid towards the loan itself and not whoevers pocket its going into, or getting the loan lowered and affordable. Also the school president at the time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX MA was apparently stealing money at the time I went to school and I ca n't help but wonder if he paid of the financial aid woman to lie to us incoming students about getting financial aid just to get us to get loans to pay him : ( Please help if you can. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help. 
Sincerely, XXXX XXXX

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 2016-07-15 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: TX

Complaint narrative:
I am an XXXX who recently finished my XXXX, no in XXXX. I had previously been in forbearance as I was unable to make payments in residency. I received notice XX/XX/XXXX that my forbearance period was ending. I then promptly signed up for an income-based repayment plan, as I wanted this to initiate before my forbearance period would end. I applied for a new XXXX plan ( the REPAYE ) and waited the requisite 14 days. I was rejected and they said this was because I was still in forbearance ( even though I had received notice it would be exiting ). I then had to submit a separate exit from forbearance application, and resubmitted my IBR plan application. This was not processed in time for the posted $ XXXX+ payment I could not afford ( off of a standard payment plan I was kicked to after being rejected from the initial IBR application ). In order to then avoid defaulting, I was forced to go BACK into forbearance, which recapitalized my loan. I was told that then, after posting a standard reduced payment, my IBR would go into effect. I did so ( twice actually over 2 months XX/XX/XXXX and XX/XX/XXXX ), and the IBR payment STILL was n't processed. For whatever reason, that initial Forbearance only applied for one month, so now I 'm looking at another {$2000.00} posted payment from my direct deposit. After calling yesterday and demanding to have my IBR application processed I was promised it would be processed that day, or the following, but it is still no done as of XXXX. Consequences of all of these delays : time ost on the phone, trying to followup on processes that should be performed automatically. Missing out on the interest reduction benefit of direct deposit ( they keep cancelling it so the {$2000.00} charge is n't pulled from my linked checking account ). I 'm also missing out on the opportunity to make my 120 qualifying payments for the public student loan forgiveness program. Finally I was recapitalized when I did not want to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/XXXX.

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 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: VA

Complaint narrative:
I requested my mother be released as a co-signer and AES has disapproved my request because I was once in forbearance. Both of my parents have co-signed on most of my student loans but both are very sick and will soon be on XXXX, losing about half of their income. Once they XXXX, I am concerned that the entire amount of my loans will come due. I am now married, my family size has gone from XXXX to XXXX and our income combined still does not allow me to pay {$690.00} a month in XXXX payment of combined student loans, let alone the remaining {$500.00} a month for a total of close to {$1300.00} a month plus rent, utilities, car payment, insurance, etc. They are not willing to work with me or my co-signers on anything. Its basically too bad. We have nothing they can take, to garnish our wages means starving our families, which for my parents means them not being able to feed their XXXX grandchildren they have custody of and me not being able to feed my XXXX. Things change many years after taking out loans. Life circumstances dictate whether we can make payments. Their interest rates are ridiculous. Please help. Thanks ... XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please ensure call ID says who you are when you call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: OR

Complaint narrative:
Me and my mother had this as a joint loan and my mother settled it and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: OR

Complaint narrative:
I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.

Company response to consumer: Closed with explanation