vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. 

+ Consumer received multiple calls from debt collector Capital Accounts ( CA ) addressed to a minor in the house ( XXXX old ). Father explained situation and asked for debt validation. Nothing ever received. 

+ one gentlemen from CA mentioned we were " breaking the law '' because of the minor / parent and discussing it without proof. 

+ Consumer paid bill directly to XXXX just to make it easy ( only {$80.00} ) and to resolve matter. 

+ CA continues to call consumer for debt ( it 's been at least 60 days since it was paid ). Latest was today - When I asked for contact details, he said his name was XXXX XXXX and then hung up on me. 

+ phone calls from CA come from a switchboard operator

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MSW Capital, LLC
State: VA

Complaint narrative:
MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.

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 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you

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 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC 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. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR. 

I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry. 

I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of. 

I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.

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: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel.

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 monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 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: NC

Complaint narrative:
helloi went to XXXX school in XXXX fl. I took out a sallie mae loan so i can afford it. I called them today to find out how i could pay down my principle, but they said that all extra money goes to future interest. Im struggling to afford the payments and i feel like a serf from the high middle ages. My complaint is that paying on principle is not an option, i feel like this should be illigal. After all they say they are committed to help me dream, invest and succeed. Or is that just for their shareholders. thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I saw that my credit scores dropped. I had a collection from Deville Asset Management on my credit for XXXX stating that it is from XXXX. My account with XXXX was paid in full and closed. This agency is not bonded to collect in my state. They never sent me a statement or letter stating that they are putting anything on my credit. This is a violation of the FDCPA AND THE TEXAS FINANCE CODE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: MA

Complaint narrative:
I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?

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 — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
Applied as a co-signer for my son and the application was stilled denied. 
I am XXXX and retired, but carry an impeccable credit score / FICO ( XXXX, XXXX, XXXX ). 
Plain and simple - age discrimination and work ( retired ) discrimination, against SallieMae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: CO

Complaint narrative:
I have XXXX loans with SallieMae. Each are enrolled in auto-debit and have been for more than a year. This is confirmed in my account information available online and has been verified during a multiple calls with their customer support. Despite being enrolled in auto-debt, the accounts do not auto-debit and I receive a call from SallieMae that I am delinquent on my account every month. I believe this practice is intentional in an effort gain more interest on my accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: NC

Complaint narrative:
I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
I applied for assistance in saving my home with my servicer Fay Servicing. I hired an attorney to help me submit all of my paperwork. My attorney submitted a complete financial application on XXXX XXXX, 2015. My attorney also called and confirmed my application was received on XXXX XXXX, 2015 and that it was complete. On XXXX XXXX, 2015 Fay Servicing filed a Notice of Sale against my home. Today they verbally state I was denied and that they are still going to foreclose on my home on XXXX XXXX, 2015. They not only " dual tracked '' my foreclosure process after I was already under review for loan modification 41 days before my sale date, but they also have not issued me any reason ( letter ) for the denial or given me any time to appeal the denial. I believe they never reviewed me and only are interested in foreclosing my house. I am told by my attorney this is illegal per RESPA Regulation X ( XXXX ). They were not supposed to issue me a Notice of Sale while I was under review for assistance as long as my full application was received more than 37 days prior to a sale date. My full/complete application was actually confirmed received 41 days prior to a sale date. I am told I was supposed to be issued a formal letter of denial stating the reason I was denied. I am also told I was supposed to be able to appeal this denial. I believe Fay Servicing never reviewed me after my XXXX/XXXX/2015 submission. They simply evaded review and set a sale date. I also want to state they did deny me in the past, however they incorrectly calculated my income and debts. They are playing games and have never had the intention to actually review me for assistance. They simply push for foreclosure.

Company response to consumer: Closed with explanation