vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: OR

Complaint narrative:
I took out Sallie Mae loans each of the three years that I attended XXXX XXXX University XXXX ( near XXXX XXXX. Shortly before graduating I developed XXXX that would later be XXXX. At first this meant daily XXXX and an occasional XXXX ( less than once a week ). I sought XXXX attention and at the time was told that the condition was mild and temporary and that it could be easily remedied XXXX. Over the next several months, as I graduated and started looking for jobs things got increasingly worse. I started XXXX more frequently XXXX multiple times a week ), experienced XXXX and some days struggled XXXX. I continued to see a XXXX and was told that we just had to find the best XXXX for controlling my XXXX XXXX and I would be fine. Six months after I graduated I was XXXX almost every day and was told by the XXXX that I could no longer safely drive. As a result I had to move back in with my parents XXXX and was no longer able to look for jobs. I put my loans in forbearance and hoped that by the time the forbearance time ran out ( i had to pay {$150.00} every three months and only one year of forbearance is allowed ) I would be better and able to work. Unfortunately my XXXX has only gotten worse, much worse. I currently XXXX anywhere from 1-3 times each day. Each time I have no warning and as a result I am frequently XXXX. I have XXXX more than 10 times in the last year, and currently have XXXX ( for the third time ) after XXXX and XXXX. I am now in XXXX so that I do not get XXXX and am unable to do much of anything for myself. I now experience frequent XXXX ( I have to sit down and take a break after bathing or even just getting dressed ). I have seen several XXXX and have even been to the XXXX XXXX to see XXXX several times. They have tried ever XXXX that has been known to work and even some experimental XXXX. My XXXX XXXX is still high, XXXX, and my XXXX have gotten worse, not better. I applied for XXXX through Sallie Mae as I am unable to work and most likely will not be able to for a long time, if ever. The XXXX put that if I show any improvement it will be at least 2-3 years before that happens. Sallie Mae denied me XXXX because they claim it is not permanent. However, their definition of a qualifying XXXX is something that will last indefinitely ( can be seen on the first page of the XXXX claims form ). There is not a definite timeline XXXX and as such they should not be able to deny me. They will not lower the monthly payments or work with my family in any way to help us in this time. When i spoke to a customer service representative they informed me that because I was out of forbearance time I had no other options that to just make the payments. At this point I have no idea where to go or what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Credit Solutions, Inc
State: MA

Complaint narrative:
I received a phone call from Niagra Credit Solutions this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for XXXX funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have scheduled automatic payments. The payments are not going through because their system does not process the payments. I have been charged many times a return check fee, and I have to manually make payments.I need full refund on {$20.00} x number of return check fee and the system to process my {$50.00} payment on schedule. The interest of 9.9 % is inhumane, borderline slavery and an embarrassment to all of mankind. XXXX

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 2017-03-27 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: IL

Complaint narrative:
I have XXXX loans with Sallie Mae. When applying for each loan, I asked for a fixed rate and both loans are variable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had a Bank of America Better Rewards Credit Card with Bank of America for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Bank of America 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Bank of America. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a credit report.

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 2015-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ATG Credit, LLC
State: CA

Complaint narrative:
They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: Western-Shamrock Corporation
State: GA

Complaint narrative:
Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company.

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 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
I have an unverified account from Pinnacle Credit Services on my credit reports. I have repeatedly disputed this account with Pinnacle Credit Services and the credit bureaus. It is from a XXXX account that I paid directly to XXXX more than XXXX years ago. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that Pinnacle Credit Services provide verification of the following : 1. The original application or contract 2. Any and all statements allegedly related to this debt 3. Any and all signed receipts 4. Original date of default and collection activity dates 5. Whether you purchased the debt, and if so, the amount paid for the debt. 
6. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that Pinnacle Credit Services cease all communication and collection activities until providing verification of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-24 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: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: LA

Complaint narrative:
I have a dispute with Direct Express Dispute Department concerning a transaction on my direct express debt XXXX. This dispute was opened on XXXX XXXX, 2015, I submitted documents on XXXX XXXX, 2015 and the dispute was closed on XXXX XXXX, 2015, base upon conflicting information. They stated I wrote XXXX XXXX, 2015 verse XXXX XXXX, 2015 as the last time I used the card. I resubmitted a letter concerning the error with the date and stated at the time I open the dispute I stated XXXX XXXX, 2015 as the last time I used the card. On XXXX XXXX, 2015 the dispute was put into Fair Hearing Status. I was told it could take 30 days and I was also told there is no time frame concerning the Fair Hearing Decision. I believe without no timeframe it could take years before I receive my money back. I provide d the police incident number and the XXXX who are working on the case, her name is Officer XXXX XXXX she can be reach at XXXX or XXXX. The direct express dispute number is XXXX open on XXXX XXXX, 2015. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX, XXXX, LA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom this may concern, I opened a Citibank Account Package with Regular Checking account online on XXXX/XXXX/XXXX with the promo code CZPE with a promotional bonus offer of {$400.00}. After spending weeks unsuccessfully trying to access my existing Citibank online account due to Citibank online account conflict issue with their credit card account system, I was finally able to submit an opening deposit of {$15000.00} on Thursday, XXXX/XXXX/XXXX. However, their system did not process the deposit and showed a deposit date of XXXX/XXXX/XXXX. I immediately called Citibank about the delay and was assured that the XXXX/XXXX/XXXX deposit date will NOT affect my eligibility claim as they do not process deposits over the weekend. I was told that since XXXX/XXXX/XXXX was on Saturday, the cut off date is the next business day which is Monday, XXXX/XXXX/XXXX. 90 days later, I 've contacted Citibank again and was told that the bonus should actually arrive on XXXX/XXXX/XXXX which is 120 days after the initial deposit ( 30 days of meeting deposit minimum and 90 days to be credited ). Now it 's been more than 120 days and I 've contacted them again, and was told that I 'm not eligible for the promotion although false information was given to me the previous times that I 've contacted them. I am very concern that a major bank will outright tell lies to consumers by providing incorrect statements. This is not acceptable for a major bank institution. I have kept records of online chat sessions with Citibank and taken notes of all calls and phone inquires. I have not been able to get anywhere with my direct interactions with Citibank due to misinformation being provided me and lack of escalation options. I need your assistance in supporting my claim on this matter and bring this to the attention of the public, so others wo n't get misled by this institution and their deceptive practices. Thank you.

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 2015-04-27 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stellar Recovery, Inc.
State: NC

Complaint narrative:
While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: Pinnacle Credit Services, LLC
State: AZ

Complaint narrative:
I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: Pinnacle Credit Services, LLC
State: NE

Complaint narrative:
I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.

Company response to consumer: Closed with explanation