vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: FL

Complaint narrative:
In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.

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 2015-05-12 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: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MSW Capital, LLC
State: OH

Complaint narrative:
I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Financial Data Systems
State: WV

Complaint narrative:
I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nevada Credico, Inc.
State: CA

Complaint narrative:
- A XXXX office erroneously sent a debt i never owed to a Quantum Collections in XXXX XXXX, NV - When XXXX tried to collect this debt i told them that this was an error and to contact the XXXX XXXX 
- The XXXX office told them that this was indeed an error and to remove the collection from all credit reports. 
- Quantum agreed to remove this collection but never did - Quantum proceeded to report a collection to all three credit agencies - I have a perfect credit report other than this XXXX collection - I have attached a letter from the XXXX office admitting to the error and asking for any investigators to call them for verification. 
- Quantum contact info is Quantum Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: NH

Complaint narrative:
I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: IN

Complaint narrative:
A collection was placed on my Transunion credit report on XX/XX/2017. It is set to be removed XX/XX/2017, which is odd. I have received no notification from the creditor. I do n't know anything about this debt - whether it is mine, if it 's outside the statute of limitations for reporting, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: AL

Complaint narrative:
I get at four calls a day from them. Last week I got a call one minute before they closed with a recorded message for me to call. When I did, they were closed. They call on the weekends, but are only open during the week, so I can not return their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 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: CA

Complaint narrative:
I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX, XXXX, XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-01-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-08 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: AL

Complaint narrative:
I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
After I denied the medical bill to the collection agency ( Med-1 Solutions XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. His collection agent informed me that they could get a judgment without me being notified or without me being in court. After several attempts to have my day in court to present the same documents that I presented to the collection agency and the same documents that I presented to XXXX XXXX Hospital disputing the charge is the same documents that I wanted to present to the courts. 

However, it is very clear that the Collection agency have taken legal action without my knowledge. I was not notified of a court date by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I received a phone call telling me that a Western Union transfer I had made in XXXX 2013 had not been collected and requesting personal information for ID verification to initiate a refund. I refused to give any personal information and contacted Western Union via their web site to see if this was genuine or a scam. Western Union confirmed it was genuine and said a refund would be made within XXXX hours. 
After XXXX online chat sessions and XXXX written communications over a XXXX week period each XXXX promising a resolution in between XXXX hours and XXXX week, I have still not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation