vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 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: Capital Accounts, LLC
State: PA

Complaint narrative:
This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae wants XXXX $ / month. I can not pay this with my other bills ( car insurance, phone, credit cards ) My Mom is the Co-signer & she is stretched to her limit too, already paying XXXX $ /month for my Parent plus loan, & XXXX $ / month for other student loans I incurred & XXXX is my brother 's. She 's a single Mom & is enrolled in a debt consolidation program for debt incurred in my first year of college in XXXX. She 's afraid Sallie Mae is going to sue her & put a lien on our house. Both myself & my brother still live with my Mom. ( Ages XXXX & XXXX ) We both make minimum wage. What can we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Element Global Services
State: MN

Complaint narrative:
I have not gotten a pay day loan for several years. ( not sure when exactly ). For the past two months a company named XXXX XXXX XXXX has been calling and when I answer they hang up. I am filing for bankruptcy and tried to call them back to give them my information, and every time I get disconnected. Not once have I heard from a real person, it 's always a machine. i do n't know what they want because my payday loan was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: WI

Complaint narrative:
There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: WI

Complaint narrative:
XXXX XXXX, offered this card directexpress debit mastercard to put my social security XXXX payment on on the XXXX/XXXX/15 I made a transaction on a XXXX atm machine of {$160.00} witch would of left me {$110.00} something on my mastercard a couple of days went by and I call directexpress card XXXX and the amination service said something was wrong with my card and I had to talk with somebody but the amination said they were to busy to check online to see your account and tranactions when I did all it would let me see is a fraud problem and my balance of XXXX cent something like that it would n't let me see the transactions so all I know at this time is my card was stopped and cant get a hold of directexpress XXXX so I finally got throught by XXXX of there numbers they said they put a fraud alert on my card and ask me about a international transaction of {$47.00} something and a {$42.00} something transaction with a marketing place I think called XXXX that 's all the info they would give me I asked directexpress why I could n't see my transcation online but ownly you can no explanation I said I did n't authorized these transactions all they said is they have n't went through yet call back in two days but I did n't wait I called the next day in the evening time and fond out they let the transaction go through and I had to buy a nother card because I receive a new XXXX cause of the XXXX store scam with I never asked for, so I had to buy this card and file a complaint to get my money back from this international transaction that I have NO INFO TO PUT DOWN ON THIS COMPLAINT I ASKED FOR A TRANSACTION STATEMENT TO BE MAIL WITCH IS 5 DAYS or more but three weeks before that I ask for my account info in the mail never received and I do n't no if it is coming now XXXX/XXXX/15 and if this international transaction market place say I authorized this I lose my money witch they did to me two years ago I lose a {$100.00}. I had to send this form your wed page is expiring

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: RI

Complaint narrative:
I had a federal XXXX mthly check deposited. then it was fraudulently taken out in XXXX florida on the XX/XX/2017 around XXXX eastern to XXXX eastern time now direct express will not give me my provisional money or answers as to why their customer service is terrible and lack of fax number for expedited letters and lack of communication i am out my monthly check and am being evicted out of my residence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I closed my account with XXXX. I was tired of at least a weekly outage always some excuse about my location. I turned in my. equipment and paid my last bill. I prorated the days I was without serice, I explained that at the XXXX office in my are when I turned in my equipment. I explained that nicely to the service rep that is should not pay for something I was n't getting. She agreed and after reviewing all my many calls regarding cable outage. I received a bill for the equipment ... I spoke to a supervisor after receiving a couple of bills. The problem was settled as it was their oversite. Never received a bill after that call. XX/XX/XXXX I got a bill from a collection agency 6 years later stating I owed {$400.00}. I called them, shared the story and told them in no uncertain terms I do not owe this and I am NOT paying for a bill I do not owe. I never received another collection notice after that call. Now it has been 7 years and recently did a check of my credit report and noticed this from XXXX showed up on XXXX. It is showing as the debt was from XX/XX/XXXX ... that is wrong. I would like this issue resolved, please. Btw I have been a happy XXXX customer 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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: TX

Complaint narrative:
As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX alleging that I owe a debt. I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or XXXX XXXX. I had already sent Pinnacle Credit Services a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by XXXX XXXX XXXX XXXX on behalf of Pinnacle Credit Services , LLC which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
PINNACLE IS REPORTING A COLLECTION TO THE CREDIT REPORT THAT DOES NOT BELONG TO ME. THEY CLAIM TO BE COLLECTION ON BEHALF OF XXXX WHEN CONTACTED XXXX NO SUCH ACCOUNT NUMBER OR ANY ACCOUNT UNDER MY NAME OR SOCIAL WAS LOCATED. I ATTEMPTED TO REQUEST VALIDATION AND VERIFICATION OF THIS DEBT FROM PINNACLE ( HAVE PROOF OF SERVICE ) BUT ALL MY DEMANDS AND REQUESTS WENT IGNORED ... AND THEY ARE STILL REPORTING THIS ERRONEOUS AND FRAUDULENT COLLECTION ACCOUNT TO MY CREDIT REPORT THIS MUST STOP!!! 

PINNACLE CREDIT SERVICES # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX Balance : {$390.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$390.00} Original Charge-off : {$0.00} Original Creditor : XXXX Past Due : & gt ; {$390.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ;

Company response to consumer: Closed with non-monetary relief