vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SRA Associates, Inc.
State: NJ

Complaint narrative:
Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.

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 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.

Company response to consumer: Closed
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD

Complaint narrative:
Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.

Company response to consumer: Closed
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TJC Mortgage, Inc.
State: TX

Complaint narrative:
Mortgage company did not have closing docs ready for closing and funding. They had 2 months to get Buyer approved on a VA Loan and Closing had been set for 2 weeks evening before closing Title company calls and informs me they do not have closing docs and we have to reschedule closing. Sellers had already moved out of the house, had their possessions on a moving truck and spending the night with family as they had to be out of the house before closing. The Sellers have a premature baby and did n't need to upset her schedule any more than was necessary. Sellers of the house they are purchasing would not let them move into the house until it was funded even though they had signed all papers and presented the cashiers check. So they were out with nowhere to go until the closing Docs and funding could be rescheduled. The sellers were completely helpless even though none of this was their fault. Then closing was set for the next day and closing set for XXXX XXXX, the buyers would not close until XXXX so funding can not take place for another day while the sellers ( a XXXX Vet. ) and a premature baby are waiting still with no home and all their possessions on a truck. We were promised that the Cds would be ready on XXXX XXXX, the contract closing date, but that did n't happen, we were then told the CDS would be at title company later in the day and funding would take place. That did n't happen either. I still do not know if this loan will close tomorrow or not. I do not believe anything the Mortgage Broker says now. 
Mortgage Broker had the sellers Spouse removed from the contract. 
which had to be added back to the contract before closing could take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Zenith Financial Mortgage Company, Inc.
State: CA

Complaint narrative:
I am contacting you to report a mortgage company, Zenith Financial of taking advantage of my XXXX-year-old mother XXXX XXXX and myself. They broke multiple federal laws including the XXXX XXXX XXXX.

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 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: MI

Complaint narrative:
my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: DC

Complaint narrative:
Please note that this case is affiliated with [ Case number : XXXX ]. 

I am submitting this complaint due to my experience with Fedloan Servicing concerning the PSLF program. In XXXX, my colleague contacted the Department of Education inquiring as to whether her 501 ( c ) ( 6 ) employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was a qualifying organization for purposes of PSLF. The Department of Education affirmed that the organization was a qualifying organization under PSLF. When I submitted my PSLF certification to Fedloan Servicing in XXXX of XXXX, I was denied by Fedloan Servicing without explanation. The letter stated, " Organization does not qualify. '' Fedloan Servicing subsequently revoked my colleague 's PSLF eligibility claiming that our 501 ( c ) ( 6 ) organization was not a " qualifying organization '' for purposes of PSLF. I requested supervisory review of my personal application but the only information that I received back from Fedloan Servicing is that " organization does not qualify. '' Additionally, one of Fedloan Servicing employees told me that she was unaware of any 501 ( c ) ( 6 ) organizations that were approved as " qualifying organizations '' under 34 CFR Section 685.219 ( b ) for purposes of PSLF. 
This is denial is contrary to the regulations because my 501 ( c ) ( 6 ) organization clearly provides XXXX and meets the requirements of a " public service organization '' as defined by the regulations. The Department states in the proposed rule ( pg. XXXX, http : XXXX ), that the statutory definition of " public service job '' is meant to include " certain non-profit organizations that are not qualified under 501 ( c ) ( 3 ) of the IRC, but that meet the other statutory requirements and qualify as public service employers under XXXX. '' Congress clearly defined " public service job definition '' in the XXXX ( XXXX ) to include both " public education '' and " public interest law services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.

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 2016-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NE

Complaint narrative:
I am a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer

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 2016-08-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
My private student loans are serviced by AES and XXXX. My co-signer was contacted by AES about the past due amount and was informed that my monthly payment amount could be lowered to {$350.00} per month for 12 months but I would have to contact them. Also they would report the delinquency to the credit bureaus in 3 weeks if a payment was not received. Previously I emailed a letter in XXXX 2015 to AES stating that due to a reduction in hours at my employer, I could only afford to pay them {$350.00} per month not the {$710.00} they were asking. I contacted AES on XXXX/XXXX/2015, to inquire about the new payment option and was told that I do not qualify. I find it very funny that AES likes to bate and switch, XXXX minute you qualify and the next you do n't. Sounds like AES is running an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 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: DC

Complaint narrative:
Today is XX/XX/XXXX. I have a payment due tomorrow, XX/XX/XXXX, which is a XXXX. 
I am attempting to pay right now, but " FedLoan Servicing, '' some kind of Dept of Education contractor I think, will not allow me to make a payment on the weekend. This is absurd. The payment is being made online, so they should allow it, but they do n't allow users to select a date that is a weekend. 
How can they make the due date fall on a weekend, but then not allow someone to make a payment on the day that it is due? I am probably going to get hit with fees, etc, because the website literally wo n't let me make a payment. It 's a website. This is 2016. They made the payment due on a weekend, so they should accept payments on the weekend. 

Additional Details : The website requires that select a date that the payment will go through on. But all the dates that happen to fall on a weekend are " grayed '' out. You ca n't select them. They also do n't allow payments to made with debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA
State: MA

Complaint narrative:
The American Education Service has continued to send me electronic bills, call me and sending my account into collections after I have given them the court documents showing my student loans, both federal and non-federal, were discharged in bankruptcy in 2013.

Company response to consumer: Closed with explanation