vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: NE

Complaint narrative:
I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc.
State: VA

Complaint narrative:
The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Element Global Services
State: NJ

Complaint narrative:
XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied California
State: TN

Complaint narrative:
I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 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: IA

Complaint narrative:
I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Calling multiple times and contacting family members. Excessive contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have contacted XXXX regarding a loan that I had with Springleaf financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: The Best Service Co.,Inc
State: CO

Complaint narrative:
Failed to notify of debt, paid debt and will not remove debt from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
This company has not provided me validation of this debt. I have never done business with them, so I have no idea who they are and why they think I owe them money. While doing my research in who they are I 've also learned that their license with the Tennessee Department of Commerce has been expired since XX/XX/XXXX. They are authorized to collect on any debt without a license. I would like this debt removed from my credit reports immediately please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AVANTE
State: GA

Complaint narrative:
Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. 
XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: The Best Service Co.,Inc
State: IA

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX prior to XXXX 2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The Best Service Company with a balance of XXXX $ owed in XXXX 2013. I disputed the account and TBS co reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to TBS co and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with XXXX bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with XXXX bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX calls me every day from many differences numbers telling me they are going to sue me for debt. I 'm tired of being harassed I lost my job I have no way to pay it right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
SPRINGLEAF AGREED TO REMOVE THEMSELVES FROM MY CREDIT. NOT ONLY ARE THEY STILL SHOWING I HAVE A BALANCE BUT THEY ARE ALSO STILL SHOWING A JUDGEMENT THROUGH XXXX COUNTY MAGISTRATE COURTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery is reporting to XXXX that I owe them {$280.00}. I do not owe them nor have I ever owed them {$280.00}. I sent them a letter requesting a contract with my signature to pay this amount and they refused to comply. They said the debt was a debt that was transferred from a company called XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and they stated they have no record of this. If this item is not removed from my credit report immediately I am going to report this to the Ohio State Attorney General as well as file a lawsuit against Coice Recovery for defamation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: NY

Complaint narrative:
Clear Spring Servicer my loan for XXXX XXXX at closing the balance due XXXX approximate and escrow amount XXXX approximate ( see attached ) Clear Spring online services allow you to see what is owe, escrow, tax and ( See Attached Payoff ) etc, The The approximate payoff would be XXXX returning the escrow money. XXXX XXXX said that the online services balance owe is a approximate. They changed pay off to XXXX approximate to pay XXXX XXXX XXXX me the borrower XXXX and there is no check in the mail. XXXX is the new lender so they paid the XXXX but the `` COUNTY '' still have XXXX XXXX as a lien on my property ( complaint will be made today on XXXX XXXX ) XXXX said that 's an issue to be resolved by Clear Spring ( case number complaint for XXXX XXXX ). I request XXXX to changed of Loan Servicer but was denied! Now my new lender to payoff XXXX request payoff and again Clear Spring changed the payoff from XXXX to XXXX, XXXX has a interest only loan but still waiting for signed closing documents and penalty for early payoff. Clear Spring charged owe interest and XXXX wo n't response to it correctness. Clear Spring owe me extra XXXX ) at closing totaling XXXX. And a paid account with XXXX XXXX still showing lien on my property. New lender Title company is trying to resolve the issue but XXXX XXXX and XXXX wo n't help or resolve the issue they both demand us to contact CLEAR SPRING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In XXXX 2014, I was visiting a XXXX XXXX store and was offered to sign up for a rewards account to earn points for purchases at the store. The clerk assured me it was not an application for a credit card, so I provided my name, address, and phone number. I did not provide my social security number. A few days later, I received a letter from XXXX XXXX stating that the credit card application they received in my name was incomplete, so they could not give me a credit card. I immediately called the customer service number on the letter and explained the situation. They apologized and said that any resulting inquiry on my credit file would be removed. To this date ( XXXX XXXX, 2015 ) the inquiry remains on my credit file with TransUnion. I would like the inquiry on my TransUnion credit file removed because I did not apply for the credit card and the employee at XXXX XXXX submitted my name and address as an application for credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: OK

Complaint narrative:
I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.

Company response to consumer: Closed