vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I filed for a Chapter XXXX bankruptcy on XXXX/XXXX/16. I am looking to keep my home and have been waiting for US Bank ( my mortgagor ) to send me an re-affirmation letter for the loan. I have waited for this letter to no avail. On XXXX/XXXX/16, I went to bankruptcy court and emailed my MAP representative, XXXX XXXX and asked that I re-affirmation letter be sent to me She has never responded to my email and returned my phone calls a week after and she tells me that I have to get my attorney to type it up, have me sign it and submit to US Bank. I called US Bank today and was told by the bankruptcy department that there is no guarantee that they will send a letter and even if I request XXXX it will take XXXX6 weeks to send out a reaffirmation letter and if my bankruptcy discharges before I get it, my attorney would have to file a motion to reopen it. I asked that the call be escalated and speak with a Supervisor, I was asked why did I need a Supervisor and it is stupid to ask for a Supervisor and even stupider to want the call the escalated and stuck me on hold for seven minutes and then hung up on me. 

Does it really take XXXX6 weeks to send XXXX sheet of paper when the all the information is already received? The rude behavior of US Bank 's staff is atrocious and needs to be rectified. I do n't have the extra money to pay my attorney to reopen my should my bankruptcy discharge without my loan being reaffirmed and I lose my house.

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 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau
State: TX

Complaint narrative:
I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: GA

Complaint narrative:
I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: SC

Complaint narrative:
In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this 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 2016-07-08 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: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I do not owe I do not owe this i have been writing for years asking for proof and to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me XXXX, and refused to let me speak to a supervisor. Then the following day I received 17 calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: VA

Complaint narrative:
Sallie Mae has repeatedly called ( telephone ) cosigner to student loan. All payments are current or ahead of schedule. I believe the calls constitute harassment as they frequently interrupt the cosigner at his job. Sallie Mae simply calls and hangs up without leaving a message. There has been no effort on their part to inform us of any 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 2016-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Account Control Technology, Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/2016 have been in a hardship situation I spoke to several representatives at ACT ( Account Control Technology ) The rep did not offer me any options outside of a Debt Consolidation for my Defaulted student Loans with the Dept of Education. I am currently unable to pay a High ( {$530.00} for 3 months ) amount that is being charged by this third party collection agency company to resolve my balance and come out of default. I have a complaint that violated 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because the message disclosed the existence of a debt to a third party. I had a message left on a voice to someone who was not me. ACT misinformed me about how to get a federal student loan out of default. ACT lie to or mislead me about the ability to get a federal student loan out of default. A federal student loan is considered to be in " default '' if the borrower goes 270 days without making a payment. Once the loan is in default, a 25 % collection fee may be tacked on. A borrower may also be able to get the loans out of default by consolidating into a single loan. ACT adviced me that there 's nothing they can do to get the loan out of default, and did n't tell me about all of their options, which violate the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Element Global Services
State: FL

Complaint narrative:
Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening 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 2016-01-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account 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 2016-06-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.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 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: MNE Services, Inc
State: NJ

Complaint narrative:
A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: VA

Complaint narrative:
On XXXX XXXX, I submitted an online request to change my direct debit bank account. I was informed it would take up to 45 days to reflect on my account. I called back in XXXX and was told the new account would take place for my XXXX payment. 
I called back in XXXX, XXXX XXXX, and the rep ( # XXXX ) told me she had to email the direct deposit team and somebody would get back to me. Nobody got back to me, so I called again early the next week, around XXXX XXXX, and the rep told me to call back again later as no information was available yet. I called back yet again today, XXXX XXXX, and the rep XXXX # XXXX XXXX told me that the change would not take place until after my next payment. My payment date is the XXXX of every month. She suggested I call back on the XXXX ( my 5th call on this issue ) to confirm this change had taken place. 

This is unacceptable timeliness for what should be a simple change. This is the second issue I have had with AES, the first being when they changed my last name to reflect my mother 's new last name following her divorce ( say, my mother is XXXX XXXX and I am XXXX XXXX, when my mother got divorced and changed her name to XXXX Maidenname, they changed and FILED WITH THE IRS my name as XXXX Maidenname, and said they could do nothing to correct this. ) I have the impression they know they have consumers against a wall and just do not care because once you have your loan with them, you are stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation