vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 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: CT

Complaint narrative:
I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: Merchants Acceptance Corp
State: CA

Complaint narrative:
Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 2015-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: PA

Complaint narrative:
the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Consolidated Information Services Solutions, LLC
State: VA

Complaint narrative:
On XXXX/XXXX/15, my credit report was pulled by a company called " CIS INC '', this firm pulled my report both from XXXX and XXXX. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: EAST WEST BANK
State: GA

Complaint narrative:
On Sunday XXXX XXXX, 2015 @ XXXX I went to this bank 's ATM machine. East West Bank located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My intent was to withdraw {$500.00} However the machine did not dispense the cash! The money was taken out of my account and now this bank will not give me the {$500.00}. The woman 's name at the branch is XXXX and her phone number is : XXXX. The woman 's name at XXXX XXXX in California is XXXX XXXX ( Manager ) and her number is : XXXX. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CRA Collections, Inc
State: DE

Complaint narrative:
This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.

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 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.

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 2015-04-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.

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 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Earnest Inc.
State: WA

Complaint narrative:
I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co.

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 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Van Ru Credit Corporation
State: CA

Complaint narrative:
I wanted to notify that there is XXXX ( or more ) people falsely operating under a legitimate corporations name in order to obtain personal information from people such as SSN, dob, names and addresses. 

After a repeated requests from my boyfriend for further information before he would provide any personal " verification '' they hung up. I researched the phone number and found they had been doing this as far back as 2009. 

I have listed their website below for your information and in case it assists you in any action you would like to take. I found it after listening to the original voice mail they left again and calling back " after business hours '' and receiving the recording. 

I just hope this is helpful to you in some way and they can be stopped from potentially ruining people 's lives and credit by stealing identities. 

Phone # XXXX Website : https : //www.vanruezpay.com

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 non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for 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 2015-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
2014 I was the victim of identify theft, and a police report was filed and sent via certified mail to the XXXX credit bureaus, XXXX and XXXX XXXX XXXX. It was taken off my credit report. Now, 2 years later, XXXX XXXX has sold the account to Credit Systems International, who has reported it on my credit reports. They are unhelpful and XXXX XXXX is saying that I have to file an FTC report, with police report, etc. again and send it to them before they can do anything ; when in fact they have all this information from 2 years ago, and erroneously sold the account to Credit Systems International.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
this debt was included in my chapter XXXX filed XXXX/XXXX/2016 case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Community Health Investment Company, LLC.
State: NM

Complaint narrative:
On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.

Company response to consumer: Closed with explanation