vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 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: TX

Complaint narrative:
After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: CA

Complaint narrative:
This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: TX

Complaint narrative:
Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.

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 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX 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 2016-10-27 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: Coast to Coast Financial Solutions, Inc.
State: MN

Complaint narrative:
I have sent 2 letters in the past 60 days asking for validation, that is competent evidence bearing my signature, showing that I have a contractual obligation with Coast to Coast Financial. This is violation of the FDCPA 807 [ 15 USC 1962e ], I did not receive proper validation within thirty days of my first letter which was received by Coast To Coast Financial on XXXX/XXXX/2016. I am requesting they remove my item from my credit report immediately.

Company response to consumer: Closed
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Zakheim Law Group, P.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I have received a letter in the mail, informing me of the fact that XXXX has retained an attorney firm Zakheim and Lavrar of XXXX, FL in order to collect a debt in the amount of {$8700.00}. 

Later on XXXX, XXXX I have been served with a summons which states that a law suit was filed against me. 
The summons also states the I had 20 days to respond to this notice or to dispute the debt. 
I filed response to complaint denouncing the claim. 

No other communication has been received from the creditors attorney. They had disappeared until on XXXX XXXX, XXXX, without any warning or additional correspondence I have received a letter informing me that a Judgement in the amount of {$9200.00} has been entered against me. Said letter also threatened to to begin the process of enforcement of said judgement in form of wage and bank accounts garnishments. 

No hearing notices were ever serviced to me. 

An offer to settle was then mailed to me on on XXXX XXXX, XXXX, but because I was thinking of hiring an attorney I left it unanswered and then due to a number of significant changes in my household arrangements related to my children moving in with me, and increased expenses due to that, and having to retain an attorney to represent me in a child support modification case, this slipped my mind. 

In XXXX, XXXX XXXX the collector have filed a writ of garnishment against my wages Immediately upon receiving the correspondence containing the copy of the writ I responded with the Head of Household exemption claim dated XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The representative of XXXX ( Collector ) files an affidavit where they contest my claim of exemption. 

On XXXX XXXX, XXXX Court issues a notice of dissolution of writ of garnishment. 

however on XXXX XXXX, XXXX a an order setting setting hearing is issued with regards to my claim of exemption. 

Not only do the collector misrepresented the fact that they have not communicated as required by law, now this case became even more confusing. I had no choice but to hire an attorney. 

My attorney has attempted to cancel the hearing set for XXXX XXXX, XXXX however it ended up just being rescheduled for XXXX XXXX, XXXX Given that we have been issued a letter of writ dissolution, I was advised by my attorney to ignore further hearing as they are most likely set due to a clerical error, so I will follow the professional advise, however I am totally confused and worried about the situation and really need help resolving this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian ARG Inc.
State: FL

Complaint narrative:
I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been making my payments on my federal student loans on time every month and do n't see any difference in the amount I owe. I even pay more than my required monthly amount when I can afford it and the amount still only goes down maybe {$50.00}. How am I ever supposed to pay them off and still be able to live and pay my other bills. I had XXXX private loans taken out for school as well and they are all paid off with paying my monthly payments and a little more when I can afford it. My school was XXXX College, XXXX Fl, which is now a XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AES/PHEAA
State: PA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XX/XX/XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. XXXX is trying to collect on an invalid debt by representing and threatening to take legal action on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TN

Complaint narrative:
FedLoan serving has reported late payments of up to 160 days on my student loan account which is currently in good standing. During the time of all the reported late payments, the loan was in forbearance. I contacted the agency to request the information be updated to reflect that there were no late payments ( as no payments were due while in forbearance ), and was told that they could not do so. I then file disputes with all XXXX credit bureaus, at which point the disputes came back stating that the information would be unchanged. These late payments are preventing me from obtaining a first time home buyer loan and are proving extremely detremential to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.

Company response to consumer: Closed with explanation