vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I am the cosigner on this loan. Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. Borrower contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on borrower 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured the borrower that the payment would be properly applied. During borrower 's most recent call the original representative would not transfer him to a supervisor. After being transferred to another representative and waiting, borrower was finally transferred to a supervisor. The supervisor informed borrower that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both the borrower 's and my credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: GA

Complaint narrative:
I was a co-signer on a Sallie Mae student loan. The primary borrower filed bankruptcy and ceased payments. I was not notified by the creditor that payments were late until AFTER the account went to collections. No voicemail 's, emails, or snail mail until after my near perfect credit score was damaged to the tune of XXXX points. Sallie Mae claims their fallible computer system shows notices were sent. They sent them to me for the first time as part of a XXXX complaint response at which point I confirmed I never received them the first time. Sallie Mae claims that removing this negative mark from my credit report is " illegal '' and a violation of the Fair Credit Reporting act, claiming they have no discretion to work with credit agencies to resolve this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: AL

Complaint narrative:
This loan began while I was XXXX in the XXXX, with XXXX in XX/XX/2008 and was sold to American Education Services. The original loan was for {$15000.00}, I have paid more than the minimum faithfully from day. According to statements, as much as {$3000.00} a year. Somehow the balance on the loan is still {$11000.00} which does n't compute even when taking the interest rate into account. When I call to try and find out how this is not a toxic loan, I am just threatened with leans if I fail to pay even though I never once hinted that I would ever stop paying back my loan. Something does not seem right about all of this and they seem to be hiding something to react this way right out of the gate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Meridian ARG Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX from Cambridge Asset Management. She asked me if I knew that there was a claim filed under my SSN. I asked XXXX what this was in reference to. She stated that in 2010, I got a payday loan from XXXX or one of its companies, and that I wrote a check from my checking account from XXXX. I explained to XXXX that I do have an account from XXXX, but it is not a checking account, I only have a savings account there. She told me that I did have a checking account from XXXX, and that I did write a false check. She said that, it is a felony, and that I will be charged with check fraud if I did n't pay them. I explained to XXXX that I would be filing a complaint against her company that she then said that my phone was breaking up and she hung up. Only XX/XX/XXXX, I received another call from Cambridge Asset Management, and I did not answer the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: KS

Complaint narrative:
Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc.
State: VA

Complaint narrative:
original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: VA

Complaint narrative:
Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: MN

Complaint narrative:
I have been harassed by Sallie Mae with unstopping phone calls and they have gone so far as contacting people outside of my immediate family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: FL

Complaint narrative:
credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Med-1 Solutions, LLC
State: LA

Complaint narrative:
This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
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 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hammerman & Hultgren, P.C.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF HAMMERMANN & HULTGREN P.C. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Western-Shamrock Corporation
State: AL

Complaint narrative:
MY NAME IS XXXX XXXX I LIVE IN XXXX XXXX AL, MY WIFE XXXX XXXX WHOM USE TO WORK FOR WESTERN FINANCE BUT NO LONGER WORKING FOR THEM BECAUSE SHE WROTE A STATEMENT AGAINST WESTERN FINANCE IN DEALING WITH A DISCRIMINATION LAW SUIT DEALING WITH XXXX. XXXX XXXX HER SUPERVISOR AT THE TIME OPENED ME A LOAN IN THE XXXX OFFICE OF WESTERN FINANCE, I MADE PAYMENTS ON TIME AS WELL AS TRYING TO IMPROVE MY CREDIT SCORE. I RECENTLY PAID WESTERN FINANCE OUT ON A GOOD NOTE, I NOTICED MY CREDIT DROPPED AND THE BRANCH MANAGER AT THE XXXX XXXX STORE HAD BEEN CALLING ME ASKING ME IF I WANTED TO REOPEN MY LOAN, TODAY I TAKE UPON HER REQUEST I WOULD LIKE TO OPEN MY LOAN IN THE XXXX XXXX BRANCH AND I GET A CALL BACK LESS THAN 30 MINUTES STATING THEY COULD NOT REOPEN MY LOAN. I ASK WHY AND THE LADY BY THE NAME OF XXXX XXXX SAID SHE COULD NOT EXPLAIN THAT I WOULD RECEIVE A LETTER IN THE MAIL. THE BRANCH MANAGER IN ANOTHER OFFICE CALLED ME AND SAID IT WAS BECAUSE THE DISTRICT MANAGER I COULD NOT REOPEN MY LOAN DUE TO MY WIFE BEING THE EX MANAGER WHO MADE A STATEMENT IN THE DISCRIMINATION CASE AGAINST WESTERN FINANCE. WHY WOULD THEY CALL AND ASK ME TO OPEN MY LOAN AND DENY ME BECAUSE OF MY WIFE? I HAVE SUPPORTING DOCUMENTS THAT STATES THE REASON FOR MY TURN DOWN IS BECAUSE OF THE DISTRICT MANAGER NOT BASED ON MY CREDIT HISTORY. IT IS BEYOND ME A COMPANY WILL ALLOW ANYONE TO DETERMINE THE COLOR, XXXX, MARTIAL STATUS OF THE REASON FOR THE TURNDOWN. IT BAFFLES ME AND I KNOW THIS AGAINST POLICY. I HAVE CONTACTED THEIR HOME OFFICE AND THEY TRANSFERRED MY CALL TO AN EXTENSION BY THE NAME OF XXXX XXXX WHOM I LEFT A VOICEMAIL ON. THIS IS AGAINST THE LAW AND IT SHOULD BE BROUGHT TO THE ATTENTION OF EVERYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to do a loan modification with Ocwen bank since XXXX of 2014. I have been given the run around and submitting the same items and a complete file multiple times. All of this time they said I do n't have a complete file. XXXX of the reps, XXXX XXXX, from the loss mitigation department suggested that I send in a letter requesting to cancel the modification and restart the process. He suggested I wait a week before I resubmitted my file. Then the bank put the home on auction to be sold. The rep said do n't worry he can post pone the sale as soon as the file was uploaded. The sale was postponed for 45 days but then XXXX days after receiving my complete file they denied me for a loan mod for reasons that the investor would n't allow it. 

I asked if I could then sell the property to avoid foreclosure and they said there is n't enough time but that I could try. 

I simply want to be able to avoid foreclosure and be given the time to list the home and sell it out right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D&A Services, LLC
State: KS

Complaint narrative:
Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. 

Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. 
XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.

Company response to consumer: Closed with explanation