vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
The agency representative called my church and left a message that included his name and an account number. That call occurrred on Saturday, XXXX/XXXX/2015. Then, on Sunday XXXX/XXXX/2015, the same representative called during morning service at church and attempted to insist that I speak with him. I researched the company name that was given and found that they had called my home telephone number at least XXXX times and had not left a message of any kind. I am not aware of what debt, if any, that I owe this entity. Additionally, I do n't know how this company found out what church I attend and why they thought that they could interrupt my worship experience to address issue. Even if the debt is legitimate, Sunday morning worship, or any worship time, should not be interrupted by a collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark Financial- Attempted to make first payment on loan through XXXX bill pay. Called for the address and was given the wrong address by their customer service team. My bank let me know that the money had not been paid over a week later. So I called again and was given a different address so I resent the payment I received a notice for a fee for cancelation of payment a month later. By that time my wife and I had both made a payment and provided the bank information to Lendmark. I have sent the escalation manager several emails and submitted an email via their online complaint portal and have received no response. I have called again and have not been able to reach the manager I spoke to initially. Are you the correct org for this type of complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
CCI Contract Callers Inc., XXXX, GA XXXX, telephone number ( XXXX ) XXXX, is attempting to collect a debt not owe from client XXXX, account number XXXX.

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 2016-04-19 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: NE

Complaint narrative:
I 've had XXXX private student loans through Sallie Mae since XX/XX/2011, and had my checking account linked to my Sallie Mae account for automatic withdrawal each month. Sallie Mae 's system, however, refused to charge my bank account each month and therefore by the time I noticed my payment was late, Sallie Mae forced me to pay late fees each time. When I would call Sallie Mae 's customer service to speak with a representative, I was either hung up on multiple times or transferred to incorrect departments. 

When my income dropped drastically, I was forced into forbearance instead of adjusting my month payments. Even when I did pay the {$100.00} forbearance fee, I was called daily by their collections line stating that my payments were late. 

I feel like Sallie Mae has failed me at every step of the way. They were never willing to work with my situation and made my jump through unnecessary hoops to even begin problem solving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: WI

Complaint narrative:
We took out a private student loan for my son XX/XX/XXXX with a variable interest rate, the loan amount was for XXXX, they charges us 13.586 % interest on the loan while he was in school and doing his XXXX so he started paying on the loan XX/XX/XXXX. At this time the loan is at 7.25 % and the new balance is XXXX, I have been on the phone for days trying to get information on this loan so we can try and redo it through the company that owns it and lock in the interest rate. I was told American Education Services owns it who told me National Collegiate trust owns it who told me AES owns it, regardless everyone at every company I talked to have said they can do nothing with the loan we are just stuck with it and when he pays it off he will be paying a total of XXXX. We were in a position where I got sick and had XXXX XXXX and needed to get him through school and did what I thought was necessary at the time to get him the funding to finish, not realizing no one would work with us and this could not be rewritten. We do not want the loan forgiven we just want a reasonable interest rate, and no one will work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 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: WI

Complaint narrative:
Paid student loans to Sallie Mae ( I 'm co-signer for my son ) - XXXX separate loans beginning XX/XX/XXXX. XXXX began XX/XX/XXXX when I paid the installment payments for the the XXXX loans through my banks bill pay system. Sallie Mae lost XXXX of the checks and asked that the bank send photo copies of issued checks to which my bank said it was unable. Sallie Mae requested the checks be voided and reissued. To avoid the problem repeating itself ( lost checks ) I submitted payment electronically in one lump sum for the XXXX loans whose payments were lost. Between the XXXX check for XXXX of the loans they did receive and the lump sum electronic debit for the XXXX loans whose checks were lost, Sallie Mae applied incorrect amounts to the loans. So they applied larger payment to loan requiring smaller payment and applied the smaller payment to the loan requiring the larger payment. Consequently, XXXX loan shows that I 'm behind and the other that I 'm ahead. I 've have spent hours - approximately over 7 hours with countless customer service reps - each time having to hear how I 'm late and need to pay and no nothing about my situation. I was required to send copies of my bank statements to prove I had paid. I have visited with managers who say that they can not redirect already allocated payments. I continue to receive emails saying my account is past due when it is not. It has been over 3 months now and it is still not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 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:
I am a cosigner of XXXX student loans for my son who just graduated from XXXX University. I have been attempting to refinance the XXXX student loans with MEFA to obtain a lower interest rate. It has come apparent that there are errors in the allocation by MEFA, or its service contractors, in the allocation of principal and interest from my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Took out a loan with Consumer Portfolio Services. They have been a nightmare, at best. If I am one ( 1 ) week late, they have illegally contacted family members, called me at work, manipulated their number in my caller ID to show the name of a family member. All of the above are illegal and immoral. In the year I have had the loan, I have never been behind in the loan, yet they harass me on a daily ( calling multiple times ) basis. My wife is not on the said loan, although after my phone rings ( with manipulated number, which is my brothers name ), they will immediately call her once I do n't answer. My mother is quite ill and for them to illegally manipulate the caller ID should call for a law suit in and of itself.These people need to be stopped in their tracks. They are predatory lenders and need to have a class action law suit filed against them and their practice ( s ). When people are paying their bills, they can not illegally call other family members, illegally manipulate caller ID, or call the borrower on his job. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: VA

Complaint narrative:
I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct.

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