vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the XXXX Mortgage Account, there should be a comment/status that when the mortgage was adjusted under the HAMP program, THE LATE PAYMENTS ARE NOT ACTUALLY LATE, but a direct result of paying the LOWERED MONTHLY PAYMENT ON TIME and NOT paying the original coupon amount. THERE IS NO WAY TO AVOID THIS due to the way the bank/program is set up. 
On the XXXX Account : It should NOT be included in AVAILABLE CREDIT or CREDIT USAGE. It has been CLOSED for YEARS! It 's counting against me in several categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Equifax regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....

Company response to consumer: Closed
Consumer complaint received 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.

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 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 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:
My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.

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 non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks

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 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: NH

Complaint narrative:
I applied for a home loan with suntrust mortgage, Sun trust pre approved me for the home loan and conditionally approved me for the home loan and now claim the applications incomplete. Sun trust delayed the closing of the home for over three weeks and all conditions where met and witnessed delivered. Sun trust keep adding condition to the conditions purposely delaying my home closing. further more they made me pay for an appraisal of XXXX that is worthless without financing. Sun trust also tried to make me pay for a survey of XXXX and I said I would n ot pay that there is a survey registered with the town. Suntrust sent me the application stating only 1 months income and 2 months bank statements they have demanded 2 month income I provided and 4 1/2 months bank statements that violate there own policy. Also I have an email clearly states I am paid XXXX this is a lie and wrong. I have been unfairly treated and denied a home loan that I clearly am overqualified for a simple approval, this is discrimination.

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 2016-02-26 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: MN

Complaint narrative:
I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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:
We took out a Direct Plus Parent Loan for my daughter, the application only allows for one parents name on the application but does require input of the income for both parents ( my wife and I are married and file our taxes married filing jointly ). I am a XXXX and we recently found out about the Public Service Loan Forgiveness program. I called the loan servicer Fedloan to inquire about the program and was told since the loan is in my wife 's name she has to be the employee of a public service agency. I explained that the application only allows for one parents name but takes into account both of our incomes so it should be considered a joint account otherwise my income should not be considered when determining financial aid, the loan approval or the monthly payments. I believe they are interpreting the rules of the PSLF incorrectly and we should qualify or they should not be able to include my income when determining repayment plans for the loan or financial aid. If they are going to use both of our incomes then is should be a joint account. It appears they try to find any reason to disqualify you for programs that are meant to assist the borrower. They should not have oversight of these programs because it 's not in their best interest and they do not look after the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma, LLC
State: WA

Complaint narrative:
well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX

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 2016-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: MS

Complaint narrative:
I called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03 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: DC

Complaint narrative:
I applied to switch from Income-Based Repayment to REPAYE. After submitting my first application, my servicer switched me back to the Standard repayment plan, which is not what I requested. So I applied again, and got a message back saying that my request was denied because I had not made my payment under the Standard plan " within 15 days. '' I have Direct Debit on my account and I have made every payment on time since entering repayment. Today I applied for a third time but I am not confident they will process the application correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.

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