vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: KY

Complaint narrative:
When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
The debtor is Sterling Jewelers, their XXXX number is XXXX. 
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: TX

Complaint narrative:
I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.

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 2015-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: South Carolina Student Loan Corp
State: SC

Complaint narrative:
. In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Bureau (Closed)
State: CA

Complaint narrative:
After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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:
I have been making as high of payments as I can on my Sallie Mae loans. Because I am not paying the full amount they are calling me multiple times a day, yesterday I received 5 calls. They are also sending emailed every single day of the week. I believe this would be considered harassment as I am making payments from every paycheck. I have replied to an email stating they can not continue to harass me regarding my loans as I am making payments. Please let me know if there is anything I can do to stop these phone 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 2015-07-29 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Terrill Outsourcing Group
State: DC

Complaint narrative:
Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.

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 2016-10-24 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
There is an old outdated item listed which I feel is past the statute I disputed and requested validation and nothing has been received. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: CA

Complaint narrative:
The collection agency contacted my XXXX friends trying to find me for several months until I blocked on account. When I got hired at my new job in XX/XX/XXXX, the collection agency was calling my coworkers and my boss in trying to find me. The collection agency is charging me {$60000.00}. 

In XX/XX/XXXX I was fired from my job. During the summer of XX/XX/XXXX my XXXX friends starting messaging me that are being harassed by phone calls from a woman " looking '' for me for a job opportunity, and if they knew how to get a hold of me. These were people I have not seen since high school. On XX/XX/XXXX I was hired at my current job. I was on a XXXX month probation period until a permanent hire position. In XX/XX/XXXX, my co workers and my Boss got phones from a woman looking for me ... ... ... this XXXX me out!!! and was in fear of being fired. This harassment went on for XXXX months. 

In XX/XX/XXXX, I was notified by my employer my wages were being garnished and my federal income tax refund was garnished. I have spent many hours and days on the phone trying to talk to someone and get original paperwork. XXXX of the reasons not to garnish my wages was if I was at my job less than a year and was fired from my last job. I sent them proof of my paperwork on XXXX cases XXXX times!! and they denied ever getting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Van Ru Credit Corporation
State: MS

Complaint narrative:
I received a bill from debt collection company in the name of Van Ru Credit Corporation I advised XXXX in fax several months ago that I had went XXXX and that I wanted to be placed in the service members relief act regarding my bill. As of today 's date I have never heard back after sending in paperwork regarding my XXXX status.

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 non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: NE

Complaint narrative:
My wages are being garnished from Performant Recovery. They will not work with me or return phone calls about a payment plan. I have talked to at least 5 different people and they all tell me something different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Esser, James & Associates
State: WA

Complaint narrative:
I keep getting threatening calls from this company about a " pre-legal '' issue that if I do n't give them information, they could sue me. I have no debts in collections or even late debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I had problems paying my mortgage, I applied for modification and sent all fay servicing asked for. I called several times to find the status, the account manager kept saying that she will call me to tell me she had an update. I received a letter on XXXX XXXX that I was not approved. That letter was sent out on XXXX XXXX 2016. When I called My account manager said that she did not received anything yet, she checked and she saw the letter and confirm that i was not approved for modification, because I did not make enough money to maintain my house. She told me to sell it and get another cheap house. I said that I was going to rent one of my room to get more income. She asked me for a contract and proof of the money my new tenant gave me. I sent all she asked for on XXXX XXXX. The foreclosure was schedule for XXXX XXXX, 2016. I asked her several times if the foreclosure will be on hold, she stated it will. I email to her and her manager to make sure that they received the documents I sent and they never replied. so, I had a feeling that she was not telling me the thru. so, I borrowed money from a friend so I had {$7700.00} on my account ready to pay on Friday XXXX XXXX. When I call my account manager she said not to worry that the foreclosure will be on hold. I said that I want to make a payment, she insisted that everything was fine. on XXXX XXXX she called me after XXXX and said that I was not going to be approved with the appeal because we did not have enough time and that I needed to pay {$7700.00}. I had to leave my job and ran to the bank and make that payment. I believe that Fay Servicing are very unprofessional and that they want me to have my home foreclosure. After I made my payment I sent an email to proof that I made the payment. Finally I received an email from the manager saying thank you for the payment. I was told by my account manager that they were not aloud to replied the emails, but I made the payment and they replied to my email. This company is a reap off, they DO NOT help their customers. I am very unhappy with them, and I am going to do anything to have my mortgage with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Well my mortgage was under XXXX lending services at the time my insurance was still active once they transferred my mortgage over to fay servicing they cancelled my insurance an was turn over to fay servicing I was never informed of the change of insurance an taxes.they just kept taking payment an increasing my mortgage payment I resently changed my insurance an now my monthly payment of my mortgage just increased ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
In XXXX 2015, my annual Income Based Repayment ( IBR ) recertification application was submitted/received by Fedloan Servicing, with a due date of XXXX 2015. Despite submitting my application, 2 weeks prior to the due date I began receiving emails stating that my application had not been received. After receiving each email, I called Fedloan ( on XXXX occasions ), to inquire about the status of my application and about the purpose of the email notifications. Each call, I was advised that my application was in fact " complete '' but just had n't been updated in the system. However, the day after the deadline, I was notified that my application was missing my husband 's signature and therefore was considered incomplete. I faxed my husband 's signature page that same day but, since at that point it was a day passed the due date, my interest was capitalized and {$11000.00} was consequently tagged onto my student loan balance. 

I submitted a written appeal, accepting my oversight, but also explaining that, prior to the due date, I was advised by XXXX representatives that my application was complete. Therefore, I had been misinformed at a point when there was still ample time for me to correct the error. I also explained that my husband had recently been XXXX and, around the time of submitting my application, we were informed that his XXXX was not working and therefore his life expectancy was less XXXX. I had forgotten to do many things during that time ( including obtaining my husband 's signature on my IBR application ), distracted by the possibility of losing my husband and the father of my XXXX small children. With my appeal, I submitted copies of my husband 's medical records, to verify his XXXX, and to justify my oversight. Apparently, that was not enough - it was not even enough to warrant a written response from Fedloan ; I ended following up several weeks later and was advised by a manager/representative over the phone that, " I 'm sorry about your husband but we are unable to reverse any of the {$11000.00} interest since your husband 's signature was not submitted before the due date. '' The manager attempted to console me by saying " it does n't matter, because you qualify for loan forgiveness, so you will not end up paying the entire balance anyway. '' For the record, I have XXXX more years XXXX before my loans can be forgiven. 

Sadly, I do n't think it was a coincidence that, despite the number of times I called to check my application status, I was not advised until XXXX day after the due that my application was missing my husband 's signature and therefore considered past due. And, considering the circumstances ( i.e. my XXXX ), this seems complete careless and insensitive on the part of Fedloan Servicing.

Company response to consumer: Closed with explanation