vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: United Military Mortgage, LLC
State: OK

Complaint narrative:
I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Puerto Rico Consumer Debt Management Co., Inc.

Complaint narrative:
An account that is already expired, is transferred constantly to other collection agencies. This is the third collection agency to contact me. A previous agencies have been told they do not have economic resources and I am a person of XXXX years old. This situation causes me complications with my health.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: NH

Complaint narrative:
On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ). 

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX. 

Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX. 

Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company. 

Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX 

I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: GA

Complaint narrative:
I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect 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 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Van Ru Credit Corporation
State: KY

Complaint narrative:
A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.

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 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: TN

Complaint narrative:
the address from California is that of the person who stole my identity 10 years ago.

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 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).

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 2017-02-28 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:
All loans are processed by Fedloan Servicing and only require a single monthly payment. However, when I missed one payment, it showed as 16 missed payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: NY

Complaint narrative:
I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: NC

Complaint narrative:
I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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 sent a letter to FedLoan Servicing in XXXX 2016 explaining that I would like all the extra payments I make to be applied to the principle balance of the loan, rather than to interest. I have just discovered that for the past 7 months, they have continued to apply my extra payments to interest, despite my wishes. They never sent me acknowledgement of receipt my request, yet when I call their XXXX number there is only a computer that responds. I feel I do not know how to contact them in order to apply my extra payments to my principle, which hurts me in the long run as it extends the payment period and increases the overall amount that I will be paying back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: CA

Complaint narrative:
First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: SC

Complaint narrative:
A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: AR

Complaint narrative:
My loan company, AES, claims they are unable to apply any loan over-payment to my highest interest rate loan unless I send them a letter every month with a check telling them specifically which loan to apply it to. I have already mailed them a letter stating that I wanted over-payment to the higher rate loan, but they declined it because I have consolidated loans. I have XXXX separate consolidated loans, XXXX with almost 6 % interest and XXXX with around 2.5 % interest. It does n't make sense that they ca n't apply it to the higher rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: NY

Complaint narrative:
I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: NC

Complaint narrative:
I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.

Company response to consumer: Closed with explanation