vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-23 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:
To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I have been a client of First Merit Bank for several years. I complained to employee XXXX XXXX XXXX the morning of Saturday, XXXX XXXX, 2015 about the " lousy service '' and requested that the branch manager ( not in ) contact me. XXXX 's response was to lean forward, make an ugly face and threaten me physically by " escorting '' me out because he did not want his customers to hear anyone complaining. In disgust, I left.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mid-Atlantic Consumer Services
State: PA

Complaint narrative:
They relentlessly called my work, even though I am currently on short term XXXX, the refused to send me proper verification that the loan existed and they told my employees personal information, and even tried to tell them they would serve them papers to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sortis Financial, Inc.
State: MS

Complaint narrative:
We had a scam on our house by XXXX XXXX XXXX of XXXX, Ms . The owner skipped the country with most of the money they collected. I have paid on this since XXXX to XXXX XXXX until they went into bankruptcy last year ( XXXX ). Since then I had been paying the Bankruptcy Division in XXXX, Ms . In XXXX of XXXX a company named XXXX XXXX XXXX took over. I have sent them copies of my cancelled checks for all of XXXX and XXXX. I happened to forget about XXXX XXXX payment and sent it in this XXXX with my XXXX payment. I have already sent XXXX XXXX payment to them but they keep sending a statement saying I have been delinquent since XXXX XXXX. At the time of the transfer to Clearspring I had to get them to deposit at least 3 month checks that they kept telling me they did not have. They finally deposited them. I do not want to lose my house over this. I have repeatedly tried to get this fixed. I have all letters, e-mail communications etc. with the Bankruptcy court and XXXX. I ca n't seem to trust anyone to deposit my checks so I can have proof. I do n't want to give them my card to take out my payments because I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
McMullough Payne Haan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are threatening to file lawsuit against me for an old debt that is over 12 years. I received a letter from McMullough dated XX/XX/XXXX, I disputed the debt. Today I received another letter stating that a judgement was entered against me and they attached a judgement for dated XX/XX/XXXX In my letter to them I explained that I do not owe this debt and that the statute of limitations has expired according to the Fair Debt Collection Practices Act ( FDCPA ) and the State of Georgia. However they are yet to respond to my letter and they still continue to send letters and continue collection efforts to collect an old debt that I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
I have a car loan with United Auto Credit Acct # XXXX. 
I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 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: United Accounts, Inc.
State: ND

Complaint narrative:
United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. 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 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I owe an old account from XX/XX/XXXX it 's stating to XXXX they sold that debt off to a collection agency and are stating I opened the account in XX/XX/XXXX and XX/XX/XXXX it went into collection. They sold a account that falls under NY state statue of limitations of 6 years and are selling it as a new account when I called to obtain the account paper work even the guy I spoke with informed me they were selling my account from XX/XX/XXXX and it 's illegal to do so marking it as new in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern : I am writing in the hopes of correcting some errors on my report. Experian has sent me XXXX different credit reports, with XXXX different names, although I have legally changed my name, and provided them with the legal document, provided to me by the Common Wealth of Massachusetts , Trail Court, Probate and Family Court, XXXX Division, on XX/XX/XXXX. The reports with the names XXXX XXXX, and XXXX XXXX, share the same information, which have many errors. The report with my current name, XXXX XXXX, does not show the same mistakes and I need to make them aware that these reports all belong to the same person. In the reports with my past names, it states that my spouse or co-applicant is XXXX, which is an error. I am not married. I was briefly married to this person but the marriage was annulled due to fraud. Therefore I need the name to be removed from my report, as it is incorrect information. Also, the report erroneously reports that I have lived at : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX. I have never lived in XXXX, MA. The report with the name XXXX XXXX does not show the XXXX address or the spouse/co-applicant, as XXXX. 

I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later changed my name by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information they think they are dealing with XXXX different people. 

Finally, my Student Loan Corp, which were transferred over to XXXX XXXX XXXX XXXX are reported as past due since XX/XX/XXXX, which is wrong, since my last payment was XX/XX/XXXX, but I pay the loan monthly. These XXXX loans, shown on my XXXX XXXX credit report, on pages XXXX and XXXX, have been transferred to XXXX Bank and are paid monthly, and never late. I have been paying these loans for more than a year and they are reported incorrectly, as past due. 

Thank you for your attention in this matter. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: AP

Complaint narrative:
According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.

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 — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Left multiple message at my place of employment with multiple people stating they are from the XXXX XXXX office. Also left messages including my name and stating they are XXXX XXXX the actual attorney looking for me.

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 2016-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent this collection company several letters to validate this debt and they still have done so and it is making it very hard for me to get any credit lines opened. It is even making me to where I can not find any housing to live in because of this collection agency. I need them to validate this debt because even the original creditor has informed me that they can not validate this debt so how can this collection agency even validate this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: VA

Complaint narrative:
Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.

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