vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I transferred my student loans to Federal Loan Servicing XX/XX/2015 from XXXX. I had been previously enrolled in the IRB repayment plan and was part of the Public Service Loan forgiveness program. On transfer of my loans, Fed Loan Servicing did not count any of my payments made while on IRB ( 35 payments ) towards my Public Service Loan forgiveness. Its been 5 months, XXXX phone calls and XXXX forms sent and this issue STILL is not resolved. Furthermore, in XX/XX/XXXX, I reapplied online for my annual application to remain on IRB. They " did n't process this application '' and " I 'm not sure why not '' so my monthly payment just increased to FIVE TIMES my normal payment because my IRB term has expired. They estimate it will take 2 months to process the application they originally did n't process. Meanwhile, I can forgo my payments, which they assure me wo n't count against my loan forgiveness but to my understanding this absolutely CAN result in me losing my eligibility for loan forgiveness. In summary, Fed Loan Servicing has literally done NOTHING on my account in the last 6 months and I now will be paying them {$5000.00} more over the next 2 months and am missing 35 payments towards the 120 payments needed for loan forgiveness. They are awful. If there was ANY OTHER WAY to do this ( another company ), I 'd switch! But I 'm tied because of the Public Service Loan forgiveness program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.

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 2015-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My SunTrust HELOC was going into repayment. I received multiple notices and phone calls informing me of my options to extend my repayment up to XXXX years at about 4.75 % .. At XXXX point about three months ago I had asked what the interest would be on repayment of the existing loan and they told me over 5 %. So I spent time looking into other HELOC options or rolling it into a refinance of my home. 

Finally SunTrust sent an agreement by XXXX to be signed for a XXXX year HELOC extension. I called to ask about the offer and I asked again what the interest would be on repayment of the existing HELOC. They said they did n't have that information and I would have to check my HELOC agreement. After trying to push the 20 year HELOC for a few more minutes I told them it was strange that they do n't know the interest for my existing loan and I ca n't make a decision on moving forward with a new HELOC without that information. They then gave me another phone number and at this number they informed me that the payback interest is only prime ( about 3.25 % ). 
There was a carefully laid plan to deceive me and push me to sign a longer term loan at a higher interest rate. This is clearly unethical practice and should be stopped immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I was currently enrolled in a program through the student aid institute where they charged me XXXX for the entrance fee and XXXX dollars a month to maintain. Student aid institute was shut down with no warning and now my loans say I owe XXXX dollars for two months. I want my money back and to get into a program and I cant get a response from anyone. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
On XXXX XXXX XXXX at XXXX I received a call from GSB inc ( XXXX ) XXXX. I agreed to make a XXXX payment for the medical bill currently held with GSB. I requested more information since the rep was indicating my debt would be sent to a lawyer. I was transferred to a supervisor ( XXXX XXXX ). I again indicated I would apply XXXX toward the debt. XXXX told me, paying that amount would not be acceptable and would not keep their lawyer from suing me. XXXX XXXX continued to threaten me that I would need to contact the lawyer and would not explain his threat of a lawsuit to me. I requested XXXX XXXX supervisor because I wanted clarification about the lawyer that was going to sue me. At XXXX on XX/XX/XXXX I spoke with XXXX - he indicated he was a supervisor at General Service Bureau Inc. I made a XXXX and requested additional information about the threat that I was going to be sued by the lawyer. I have not received any response from the company. After months of this company harassing me, repeated auto calls - some minutes after I made a payment, I now can not get them to contact me. This company has called me up to 5 times a day. I explained I will pay what I can to the debt. Before they threatened to sue me, I gave the company permission to leave phone messages. I was not attempting to avoid payment or the calls. A supervisor at GSB inc. threatened me that my payment would not prevent a lawsuit, yet I am unable to get a supervisor to call me back. Is it not against the law for a phone rep to threaten a lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?

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 2015-12-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA

Complaint narrative:
Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.

Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
They have called from XXXX to XXXX times a a day from XXXX or more different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''

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 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. 

In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: IA

Complaint narrative:
My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. 

I could sue them for violation of the calling rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 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:
I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Fulton Friedman & Gullace LLP
State: TN

Complaint narrative:
I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: OH

Complaint narrative:
I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation