vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CA

Complaint narrative:
On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.

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 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Esser, James & Associates
State: AL

Complaint narrative:
I keep receiving multiple phone calls from this group at short intervals, very vague on details other than stating I have a legal complaint filed against me. They can " make '' it go away. I stated to stop calling me ... they call me more ... and stated to send letter stating details via USPS mail ... stated they dont work that way. They are also harassing my children via phone who live at different addresses. Stated they know my age and last XXXX digits of ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC
State: FL

Complaint narrative:
I was contacted by Consolidated Recovery Systems regarding a billing for which I had no knowledge. When I inquired, they stated it was a debt to XXXX XXXX XXXX XXXX. I had never received a copy of the bill. I requested they provide one. The bill they sent included my name but a random address unrelated to me and did not include any details for the billing. I instructed Consolidated Recovery Systems to stop contacting me. I called and wrote XXXX XXXX XXXX XXXX requesting a detailed bill and providing my correct address. They have not responded, but Consolidated Recovery System continues to violate my instructions by calling and attempting to collect a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Riverwalk Financial Corporation
State: OR

Complaint narrative:
This debt has been being passed around to XXXX collection agency after another for over 10 years. 
Can you please help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Element Global Services
State: OR

Complaint narrative:
I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SLM CORPORATION
State: TN

Complaint narrative:
My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
CPS consumer portfolio services & XXXX has and continues to contact me in regards to a time-Barred Debt, and now plans to suit to collect the balance on this time -barred debt. 
This company CPS false statements indicating that I have contacted them and that I have agreed to make payments is not true. This is false and is the wrong practice all with the purpose of re-start the clock and or re-open the time barred debt from XX/XX/XXXX on XX/XX/XXXX. 
I 'm was not able and I 'm not able to pay this debt due to financial hardship, and health issues with immediate family members. I did file for bankruptcy on XX/XX/XXXX due to loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CRA Collections, Inc
State: DE

Complaint narrative:
I recently checked my credit and noticed I have XXXX outstanding medical bills in collection that do n't belong to me nor was i ever notified I owed anything. Came to a huge surprise after I checked my credit out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Meridian ARG Inc.
State: GA

Complaint narrative:
A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC.
State: UT

Complaint narrative:
Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ZestFinance
State: TX

Complaint narrative:
XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.

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 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-12-20 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: GA

Complaint narrative:
Company was not given authorization to share sensitive medical information to a 3rd party or outsider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.

Company response to consumer: Closed with explanation