vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: NY

Complaint narrative:
XXXX University located at XXXX, NY. 

Sallie Mae Private loan, unfortunately I can not afford the monthly payment for the private loans because I am still in the process of making direct payments for my XXXX semester that will begin at the end of XXXX No sallie mae representative willing to process In-School Deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Merchants Acceptance Corp
State: OR

Complaint narrative:
My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: PA

Complaint narrative:
I have XXXX loans from Sallie Mae. Over the course of six months, I enrolled twice in a payment plan. Making only XXXX a month they put me on a plan that would have me making $ XXXX monthly payments. I was denied twice this plan and XXXX XXXX accounts the company did not contact me to let me know. The second time this happened Sallie Mae had my bank account information and began taking out a total of {$740.00} in the form of autopay. Something I had never authorized. This cost me money that was supposed to be in my account to not be there, as well as returned check fees charge by my bank when the sufficient funds were not available, since the amount Sallie Mae was attempting to take out was higher than agreed on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 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 have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.

Company response to consumer: Closed
Consumer complaint received 2016-10-05 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: Advanced Collection Bureau, Inc.
State: LA

Complaint narrative:
XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GMH Associates Inc.
State: TN

Complaint narrative:
I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 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: IN

Complaint narrative:
My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: MN

Complaint narrative:
I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: OH

Complaint narrative:
After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: MI

Complaint narrative:
Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. 

There are XXXX accounts with this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I have owned my home for nearly 25 years and am facing a foreclosure sale due to a non responsive lender, Fay Servicing. I have tried repeatedly the last couple of years to resolve my mortgage delinquency with Fay, but my requests for help have been ignored, reviews have not been opened, they have sent people out to shake me down -- one time they actually had a company come and break into my home and shut off the power and disconnect the utilities!! They have done everything except what they are supposed to do, which is WORK WITH ME! I make a good living, I am a self employed entrepreneur and never had any issues making my payments until I had major problems due to XXXX. I was in and out of the hospital and literally missed a full year of work. On top of that the medical bills were devastating and I fell behind on all of my payments. 

I wanted to save my home and since I had a XXXX loan I believed that my lender would work with me. I began the process of review for a modification but before the review could be completed my loan was transferred to another company. I began the process again and submitted the necessary documentation for review and was starting to get traction when once again my loan was transferred to another company ( Fay Servicing ). This was beyond frustrating as the delinquent amount continued to grow. Fay Servicing told me they would not work with me and that I needed to pay the full past due amount to them or I was going into foreclosure. I am not in a position to reinstate the loan, but I do make a good living and I have been told there are multiple programs available for struggling homeowners through XXXX program, yet Fay Servicing has never ONCE reviewed me for any of these programs or given me the opportunity to be considered for help. Fay Servicing was also the recipient of {$70.00} XXXX dollars in bailout funds and I thought they were required to consider me for the government modification programs. I have tried multiple times to resolve this matter and work towards a solution, but feel that I have been obstructed at every turn. I am asking for the actual opportunity to be reviewed for all programs so that I can save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC
State: TX

Complaint narrative:
Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation
State: CA

Complaint narrative:
Old debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed