vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 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: DC

Complaint narrative:
Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. 

Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lake Area Collections, LLC
State: FL

Complaint narrative:
I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc.
State: VA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
XXXX 2016 I reported to my bank that my bank account lost money in XXXX, XXXX, XXXX and XXXX, my bank EAST WEST BANK in XXXX/XXXX/16 returned parcel my lost money {$18000.00} back to my account, now still has {$11000.00} not return to my account yet, I request EAST WEST BANK return all money to me ASAP.

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 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: WI

Complaint narrative:
I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX XXXX, 2016 To : BWW Law Group CC : XXXX. XXXX XXXX XXXX XXXX : NOTICE TO CEASE AND DESIST Third Illegal Attempt to Schedule Sale of Property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Case # XXXX To Whom it May Concern : I just had a letter forwarded to me dated XXXX XXXX, 2016, notifying me that BWW Law Group has scheduled a sale of my family 's home on XXXX XXXX, 2016. This action is in direct defiance of judge XXXX disposition of this matter at the hearing held on XXXX XXXX, 2016. At that time judge XXXX clearly stated that the matter would be held sub curia. The hearing on XXXX XXXX constitutes judge XXXX last decision on this matter. 

Until the judge makes a decision, neither party may take any action governed by the sub curia status -- which means that the issue is clearly not decided. 

BWW Law Group must immediately cancel this sale scheduled on XXXX XXXX, 2016, as it is clearly prohibited by law. This is the third illegal act of this nature perpetrated by this entity. This is not behavior acceptable for officers of the court, and it is grounds for an official grievance process to be propounded upon all parties who have participated in this process. 

I have made a formal complaint with the CFPB and will continue to explore all avenues at my disposal to ensure that this sale is stopped. Not only does this sale flout the authority of the Circuit Court, it also violates dual tracking as my application for a loan modification has not yet been decisioned by XXXX. 


Sincerely, 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 2015-12-16 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: MI

Complaint narrative:
My daughter attempted to pay off her student loan on XXXX/XXXX/2015 using the " current amount '' on the Sallie Mae website. The account has a daily accrual rate but nowhere on the payment site ( i took screenshots ) does it state that this is really not the " current amount ''. We later found from " escalation department supervisor - XXXX '' that the " current amount '' is simply the last statement balance amount. 
To complicate matters, Sallie Mae, withdrew the amount out of the wrong account which of course created insufficient funds fees and of course more accrued daily interest. 
The possibility of selecting the wrong account was entertained by Sallie Mae. However, paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount, " current amount '' and pressed pay and confirm. 
Although the amount of interest is not even close to the payoff amount, it is still her hard earned money ( plus {$30.00} ISF charged to her mother and I ) plus an additional {$45.00} in accrued interest. 
After 4 phone calls the problem is still not corrected, her loan still not paid, due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering, as of XXXX/XXXX/2015 how many kids this has happened to and how much extra money Sallie Mae has collected when the consumer gets frustrated and just gives up. 
The consumer of Sallie Mae is encouraged to use auto debit ( website ) however this access method is not accurate and misleading. Consumer beware!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07 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: CA

Complaint narrative:
I went to a XXXX school for my XXXX and had the opportunity to attend university abroad to obtain a XXXX. This option was more affordable than to stay local and attend my same school so I took a Sallie Mae Loan. Sallie Mae unfortunately does n't offer income based enrolment programs so come 3 years after graduating with XXXX degrees, I found myself unemployed and {$180000.00} in student loan debt. 
But Sallie Mae was not understanding or accommodateing. In fact, they have not only harrassed my mother and myself by calling 14 times a day each, they attacked my co-signer, my XXXX XXXX XXXX grandmother. They sent her to the hospital with an XXXX after calling her one Sunday, telling her that if she did not pay my balance of {$85000.00} within three days, they would take her home and social security. I am continually given false and misrepresented information from Sallie Mae representatives. I also came to find out the University in which I attended is no longer in existence. XXXX XXXX University XXXX. There are also class action cases against my school for misrepresentation. I am at a point where I do n't know what or who to turn to. 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 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 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 am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Second Round Limited Partnership, Austin, TX Branch
State: ID

Complaint narrative:
This account was a payday loan from the XXXX XXXX in XXXX, XXXX. 
XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.

Company response to consumer: Closed
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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: Stellar Recovery, Inc.
State: FL

Complaint narrative:
This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stellar Recovery, Inc.
State: GA

Complaint narrative:
I do n't owe XXXX {$33.00} I do n't even have their service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation