vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
My ex husband and I bought our home while we were together. His name went on the loan and both of our names went on the deed. A few years later we divorced. At that time I was working and was able to keep up with the payments for the home on my own. In our divorce settlement he relinquished his rights to the home, leaving everything up to me. At some point after that I had to quit my job due to a medical condition and have not yet been able to obtain XXXX. From this the mortgage went into default. It was somewhere around XX/XX/2016 where it came up on the 3rd month of being in default. At this point the mortgage company blocked me from being able to pay the mortgage by phone. So I called the collections lady at the housing corporation and she told me that I could not make the payment. That it was too late. I talked to her supervisor and he told me the same thing and that foreclosures take a while and we would have plenty of time to find somewhere to go. Then 3 weeks later the collection lady called me saying " where 's your payment you said you were going to make?! '' And I told her I was n't given the option! But she said it " said in her notes '' that I said I was going to make it by that time. I said NO I WAS NEVER GIVEN THE OPTION!! So my house then went into foreclosure. I have found a lawyer who had me get a quit claim deed and said that I can submit for loss mitigation. The housing company told me they were lying and that I could n't. That my ex had to do it with his information but someone who filled for it also had to be living in the home, which he obviously is n't. So they left me hopeless. My lawyer sent them my loss mitigation packet along with all other documents they would need and they have yet to put it into review! They said that the regulations from the CFPB do not pertain to them bc they are a separate entity. I was told that they will look into what they can do but they do n't think it 's going to work out. 
Also, at the beginning of this situation my ex sent authorization in writing stating that they had permission to speak to me about the loan. After the collections would n't take my payment and lied 3 weeks later I tried to call the supervisor and left messages but no one ever called me back and then the housing company said they COULDNT talk to me because they did n't have permission from my ex. So they apparently " deleted '' the written statement saying that they could. They have made it to where I can do NOTHING in regards to my home. 
They are also APPARENTLY mailing things about the loan and what not to my ex husbands new address for some reason. So when they say " well we mailed you this ... '' No you mailed it to my ex and I never got it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I recently had my credit pulled to purchase a home. I was advised that a collection was on my report from Performant Financial. I have ZERO collections on my credit and this was a unauthorized pull \. I contacted them and they advised i needed to call XXXX. When I contacted them they said there is nothing they can do and Performant needs to request to remove wich they refuse. Ifaxed a request to XXXX as well

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 2015-10-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: PA

Complaint narrative:
Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: DC

Complaint narrative:
Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services
State: MI

Complaint narrative:
I have spoken with them on the phone, first they offered a settlement and I asked to put it in writing, they sent me one via email say I owe millions dollars which was not correct. I asked them to send a corrected one, and a validation of debt owe, alone with they have legal rights to collect, inside that letter I stated no phone calls, and everything in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, XXXX XXXX bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: TN

Complaint narrative:
I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: NY

Complaint narrative:
Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: NE

Complaint narrative:
Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: KS

Complaint narrative:
After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
Granted, my credit profile may not have been eligible to carry my Sallie Mae loan independently, however, my co-signer has an impeccable credit rating and I was turned down. 
This needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC.
State: OR

Complaint narrative:
I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STERLING JEWELERS, INC.
State: NM

Complaint narrative:
I was lied to about the credit check process

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint. 

Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: MNE Services, Inc
State: MO

Complaint narrative:
I have voice mails and threats to deliver documents to me to take me to court. Left on my house phone and cell phone. Called the companies they say they are collecting from and that these companies tell me they have never heard from them. 

The XXXX numbers they are calling are XXXX ( registered with XXXX XXXX, XXXX - MO XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: CONTRACT CALLERS INC
State: DC

Complaint narrative:
Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: KY

Complaint narrative:
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed