vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
XX/XX/2016 I bought a car from Honda here in XXXX XXXX, a Chrysler PT Cruiser. It was financed by CPS INC located in XXXX XXXX. This car has had major problems costing me close to {$2000.00} to repair to date. I 've tried to trade this car do to the fact my payments have been on time and up to date just to find out this car has structural damage which was kept hidden from me due to the fact it was not on carfax. I was informed this by XXXX different car companies who both told me this car should not have been sold to me.This car was bought at an auction and the car company was informed which they lied when I went back, not knowing both companies gave me the paper proving they were told. I informed CPS of this when i needed to call them and get my payment moved back a couple of weeks due to one of these high prices to fix this car. No one will trade this car CPS wo n't even help me. I 'm just about out of all my savings and will not be able to keep up with my payments if I have to keep fixing this car besides how dangerous it is to keep driving. please help me if you can I 'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: VA

Complaint narrative:
Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Element Global Services
State: LA

Complaint narrative:
Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CBV Collection Services Ltd.
State: AZ

Complaint narrative:
First I felt I was getting no cooperation from the XXXX the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call XXXX finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to XXXX on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XX/XX/XXXX - XX/XX/XXXX submitted, reporting a first deliquency in XX/XX/XXXX ( and then closing the account XX/XX/XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit XX/XX/XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to CBV Collection Service XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XX/XX/XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with CBV Collection Service then fraud in re-aging the account. I found a CBV Collection Service online with a different toll free number based out of XXXX with complaints and actions against it but not one answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 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:
I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
As a XXXX-year old wife of a XXXXyear old husband, I had, in XXXX XXXX, 2004, and, currently, have an interest in a second home XXXX. My husband took out a loan on this second home in XXXX of 2004 as a married man, and was in title under the same. I have come to find out that my name should have been acknowledged and my signature added to the Borrower 's Affidavit as an interested party who may assert a claim and it was not. I am now in a divorce and was not made aware of this debt until recently which has put me in a compromising position that will ultimately affect my retirement savings.Technically, my husband 's homestead is in XXXX the jurisdiction of the divorce. For this reason, I would like to speak with someone about the falsified Borrower 's Affidavit and how this issue can be resolved. This is a residential property and I should not have to obtain counsel. I note that the title company that handled this loan closing was XXXX and currently their status is " forfeited ''. 
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 2016-03-09 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: Esser, James & Associates
State: CA

Complaint narrative:
On XXXX XXXX, 2016, XXXX XXXX from Esser James & Associates called my brother 's home and spoke with my sister-in-law. He told her that legal action would be commenced against me and that my social security was going to be investigated. He also told her it was a time sensitive matter and threatened legal action if I did not accept his " help. '' I have no idea what this is in regard to and have no record of him attempting to contact me directly. He shared my information with a third party, but never identified himself as a debt collector nor did he ever advise that the telephone conversation would be monitored or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 

They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. 

I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

Credit Systems XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: GA

Complaint narrative:
Got a private loan for School ( XXXX University ) after graduation could not find a job. Upon finding a job as a XXXX, still did not make enough to pay for the private loan. After XXXX for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a {$XXXX} an hour job, to a {$XXXX}. Mom has now had to take her funds to help keep the household running. What options are available to assist with getting this private loan amount reduced? The interest rate from the years I could not pay have made the loan go from {$45000.00} to {$80000.00}. I try to pay what I can, I can not pay {$750.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I asked American Educational Services and US Department of Education for a sworn affidavit testifying to the validity of the purported " loan ''. The verification of an account requires " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Affidavit of truth of matters stated and object of verification is to assure good faith in averments or statements of party. '' ( XXXX XXXX XXXX, XXXX XXXX ). Both AES and US Dept of Education have failed to provide the affidavit to verify the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
we received multiple bills from several hospital stays that were not itemized so we could match them to XXXX from the insurance company. we requested itemized bills to be sent. 
by this time, the debt was turned over to collections and we were still unable to match the bills with the XXXX 's. 
we called the collection company and asked for the amount we owed and paid it. 
my credit report still reflects that we still owe the debt and the debt collector refuses to remove it. 
we have proof from the bank that we paid the debt and the collections company has a record of the call when we paid it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a fraud on my credit report or a mixed file XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing incomplete and inaccurate information on my credit report for months XXXX XXXX XXXX has XXXX accounts which have not been reported properly or investigated properly. Please see attached letter and copy of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I pay for FICO score monitoring. A dispute over a drop in myscore has been logged with Equifax per the process with FICO. FICO claims they do not control the information provided by Equifax. Equifax just explained that my Equifax score is 'different ' from FICO because they use a different model to compute scores ... and if I want my Equifax score I must pay. We go around and around with FICO versus Equifax. No one will explain the formulas or their actual relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am unable to verify my identity even though I answered the questions accurately. This has happened with Equifax and XXXX ; I had no problems with XXXX. It looks like someone opened accounts using my information and obviously I do not know any of the information pertaining to the debtors.

Company response to consumer: Closed with explanation