vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CommonBond, Inc.
State: DC

Complaint narrative:
I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
XXXX in XXXX, Florida incorrectly charged me a {$40.00} co-pay for XXXX when the co-pay per contract is only supposed to be {$25.00}. I sent the collection agency a copy of my medical insurance card documenting the correct {$25.00} charge as well as calling my medical insurance company that informed me that the XXXX was using the wrong tax payer id number and that is why the charge was incorrectly billed. I have contacted the collection agency numerous times including certified mail but they continue to send me collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: TX

Complaint narrative:
I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.

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 2016-07-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
Account Control Technology-They constantly call my place of work when after I told them not to call and it is not allowed. They called me 4 time today. 2 times on my cell phone and 2 times at work. I already have an agreement to pay and I have paid with no problem.

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 2015-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation
State: PA

Complaint narrative:
We have received repeated calls from Van Ru Corporation ( XXXX ) claiming we owe a debt and to call back. Knowing htat they are known as scammers, and we do not have any debts that we know of, to include reviews of our credit reports, we want the calls to stop. After several contacts, they should have mailed us the information they claim regarding a debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 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: HW Holding, Inc
State: IL

Complaint narrative:
Double reporting of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: AZ

Complaint narrative:
At Sallie Mae, they offer 3 month forbearance periods for struggling loan receivers that ca n't afford to pay back the debt. On XXXX XXXX, I called Sallie Mae to ask for a forbearance because i couldnt make the payments. My account was up to date, no past due payments. My payments are due on the XXXX of each month. So through out XXXX im still being harassed by sallie mae every day, waiting for the forbearance to be processed. This is a normal occurrence by the way, at least 8-10 calls a day. Its harassment and it should be illegal to bother my family and I so much. So after a few phone calls, i find out that the forbearance wasnt input correctly. So they had to restart the process again. So after that was over, i thought that this was taken care of. What I found out today is that the person I talked to in XXXX put in a 1 month forbearance. Which I did not ask or pay for. I paid XXXX dollars to have my loan in forbearance for 3 months. Now, im recieving harassing calls again from early in the morning to late at night. The times are outrageous. Sometimes as early as XXXX and as late as XXXX So now, they wont even transfer me to customer service because my account is overdue? It wouldnt be over due if they didnt input everything properly in the first place. This whole ordeal is so frustrating. No one can do anything for me at the office anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Account Control Technology, Inc.
State: MA

Complaint narrative:
Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
On XXXX XXXX, 2015 I changed my mortgage insurance company Fay servicing was faxed the information from my broker on this day. In XXXX Fay servicing said we had no insurance so I had the broker XXXX XXXX Insure All ) re-fax the information to Fay servicing. In XXXX I called Fay servicing to see if everything was in order and the informed me that they had not received the fax any of the times it was sent to them. So I called the insurance company XXXX XXXX underwriting services ) and had them fax directly to Fay servicing the paperwork that shows I have insurance. Fay servicing said that they did not receive it by fax so the insurance company e-mailed me the documents and I e-mailed them to Fay servicing. This has been done XXXX times now and I sent the information by certified mail to them at the address that Fay servicing gave to me. Fay servicing has not recognized my insurance and this is now a problem because if payment to the insurance company is not made by XXXX XXXX, 2015 I will be cancelled. On XXXX XXXX XXXX, 2015 I talked to Fay servicing and spoke with XXXX XXXX, he had me e-mail the PDF directly to him as we talked, he then stated that he received it and was scanning it to send to everyone 's e -mail in the office as he was talking to me. I asked if I should call back tomorrow and he asked if I would give him XXXX hours to get the information to the insurance department and get a response from the so he could correct the issue. He also stated that I talk to no one but him. I gave him his XXXX hours and on XXXX XXXX, 2015 I called him at XXXX at XXXX and XXXX my time and I left a voice message each time. It is XXXX my time today and he has yet to respond to my two messages. This issue needs to be resolved before the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed with explanation