vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GEORGE MASON MORTGAGE, LLC
State: VA

Complaint narrative:
We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.

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 monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc.
State: OH

Complaint narrative:
This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A year ago I purchased a bed from XXXX by setting up monthly payments with no interest for 18 months. Today I decided to pay off the remaining balance. When I went onto their website I noticed that they have been charging me a late fee of XXXX with interest for late payments every month. I have autopay!!. They said it was n't through their company but through my bank and my bank was n't paying it on time. WHAT??? I set up the autopay through XXXX 's online site. They basically said I was out of luck. More like out of XXXX of bogus charges. They did eventually credit me XXXX big deal. This credit card company is ripping people off and needs to be held accountable just like XXXX XXXX. Please look into this.

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 monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. 

They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: WA

Complaint narrative:
Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.

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 2016-01-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am a victim of Identity Theft. Someone opened an account with several banks and organizations. I have been working with XXXX to fix these issues, most all companies have taken care of the Theft my removing the account and fixing it with the credit bureaus. the exception to this is Sallie Mae. I contacted Sallie Mae with XXXX and they were extremely unhelpful. After several calls we finally go the information we needed to work on fixing it with them. So I mailed all the information they asked for ( Police Report, Letter Statement, and several other forms ) this has been over 30 days now and no responses from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.

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 2015-08-17 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: NY

Complaint narrative:
I used my credit card rewards points to get two checks, made out to XXXX. This was in XXXX 2014. The checks were for {$250.00} and {$50.00}. They were XXXX sent to XXXX address. This was after the official split of XXXX and Sallie Mae XXXX I think XXXX. XXXX checks posted as payments to my Sallie Mae account, which I did not want XXXX my school is helping to pay for the Sallie Mae loan ). I called Sallie Mae, and they were able to reverse the payment, telling me it would be paid to XXXX. They did so, and my loan amount increased by the requisite {$300.00}. But XXXX never got the money -- or so they say -- and never applied the {$300.00} to my loan. Now I am out the whole {$300.00}. I called the companies twice ( once we did a conference call with representatives from both XXXX and Sallie Mae XXXX. They have been unable to resolve it and have not responded to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: South Carolina Student Loan Corp
State: SC

Complaint narrative:
This account is still listed on my credit report after 7 years. I am requesting deletion of this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
I recently obtained my credit report and see XXXX companies are claiming I owe money ; R & R professional Recovery XXXX. I sent a validation of debt letter by certified mail to each collection agency. Instead of sending me the evidence that I owe an alleged debt R & R Professional Recovery reported me again as of XXXX/XXXX/15 which has negatively impacted my credit score by XXXX points. I have never received anything prior to this and when I ask for them to prove I owe the debt they IGNORE request and continue to bring my score down! Please investigate this crooked company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I was unaware of this debt until I served with a summons. Med 1 is suing me. I received the summons on XXXX for a court date XXXX, During the weeks prior I tried to call Med 1 to see about a settlement but no one there was helpful and my attempts were deflected and futile. I have a company working on my credit and asked them what to do. They sent a letter ( attached ) asking for details on this. The " lawyer '' XXXX XXXX '' at Med 1 refused to give him the information since they are not a law firm requesting it. Even though I did sign a power of attorney permitting the company to act for me. 
As a result I was lucky to get a continuance but only until XXXX. 
I need details on what I am being sued for. How can I defend myself when I do n't have any of the information? 
This company is trying to skirt Federal law and bully 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 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
Accounts Control Technologies with phone number XXXX called my employer today XX/XX/XXXX. My employer in turn relayed message for me to call back company. Unfamiliar with the company and its products and services, I XXXX them up and discovered they are debt collectors. I have no business relationship with them, and I do not know what and for whom they are collecting for. They have not sent me any written communication to allow me the chance to dispute. Them talking to my employer I feel is harassment and defamation. Is this a violation of consumer protection law?

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 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: CA

Complaint narrative:
I went to the XXXX University ( XXXX XXXX ) and had to pull out loans through Sallie Mae. Its really hard to now pay these bills which is hurting me financially. I need help and need to refinance them but no one can help and sallie mae is horrible and does not want to help.

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 — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I 'm not certain if this choice best describes my situation. I had a medical bill from XXXX XXXX XXXX that was forwarded to Med-1 Solutions, LLC. The bill was from XX/XX/XXXX. I was unable to pay the bill do to my financial situation at the time it was incurred. I was unable to make payments on the debt during this period because of continued financial hardship. I received a notice from Med-1 that they would be taking me to court for the bill XXXX/XXXX/XXXX. The week prior to the court date I called and spoke with one of their representatives in their legal department. I advised her of my financial situation and asked if I would be able to make payment arrangements for the bill. She said I could. We worked out arrangements were I would make {$100.00} payments on the XXXX of each month, starting XXXX/XXXX/XXXX. She stated that she would forward me paperwork that I would need to fill out for them to deduct the payments automatically from my account. I agreed to do so. I received the paperwork the following week. I had not sent the paperwork back with my account information so they could start deducting the {$100.00} agreed upon amount on XXXX/XXXX/XXXX, when I noticed on XXXX/XXXX/XXXX that Med-1 had deducted a {$100.00} payment from my checking account on XXXX/XXXX/XXXX. This caused me to be quite embarrassed when I went to purchase lunch and was informed my card was being declined. I was also charged a {$37.00} overdraft fee on my account because their payment caused me to go in the negative. I called Med 1 that day and advised a representative of what happened. She said that she saw that arrangement in the notes pertaining to the {$100.00} payments starting on XXXX/XXXX/XXXX and did not know why the payment was taken out XXXX/XXXX/XXXX. I asked the representative how they obtained my bank account information since I had never sent them their paperwork back yet and that I would like to be reimbursed the {$37.00} fee. She could not answer that question and advised that she would have a supervisor listen to the call and get back with me. That has been over a month and I have yet to receive a call back. Since then I have received another collection notice from Med-1 for another XXXX XXXX XXXX bill that I have disputed with the original creditor. I have not contacted Med-1 since.

Company response to consumer: Closed with explanation