vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Hello, On XXXX/XXXX/2015 I filed a complaint with " CSC '' through the CFPB portal ( # XXXX ) CSC stated they would continue to report account number XXXX and that I needed to contact the original creditor regarding this matter, I sent a letter to XXXX XXXX, XXXX XXXX XXXX. XXXX. on XXXX XXXX 2015 regarding this matter ( attached ) with no response. I want this account removed from my credit record as this original creditor can not /will not provide me with any validation/verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: WA

Complaint narrative:
Debt collectors of what sounds to be 'XXXX ' continuously call my phone number for a XXXX XXXX , I am XXXX, with a personal phone, they 've called me numerous times, and have put me on the no call list XXXX times, for 3 years, after a year they keep calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: Performant Financial Corporation
State: NM

Complaint narrative:
XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. 

I hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees

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 get flexible payment options
Company: SLM CORPORATION
State: NJ

Complaint narrative:
While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.

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
Consumer complaint received 2015-04-24 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: IN

Complaint narrative:
Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arbor Professional Solutions, Inc.
State: IN

Complaint narrative:
This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/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 2016-01-14 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: KY

Complaint narrative:
I cosigned for a private student loan for XXXX my kids with Sallie Mae. 
Since she graduated, Sallie Mae calls my cell phone and work phone several times a day about paying this loan off. I have asked them to not contact me by phone and only in writing, but the calls continue. 
I have received no documentation through the mail, only this constant barrage of calls. They are attempting to harass me into paying them even though I just cosigned the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: OR

Complaint narrative:
I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. 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 2016-01-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Strategies, Inc
State: UT

Complaint narrative:
This company has furnished false information to the credit reporting agencies ( CRAs ). They CRAs are showing that I opened an account with this company on XXXX XXXX, 2012. I have never opened an account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ZestFinance
State: TX

Complaint narrative:
Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed