vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-14 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: MO

Complaint narrative:
I have been very open and honest with Sallie Mae about my difficulty to repay my loans because I am not making what I expected after graduation. It took me 6-7 phone calls and multiple line transfers to receive what little help I managed to get. I was told by multiple employees of their company that my best and only option was to let my student loans fall into default so they could be send to a collection agency, where I would receive assistance. I have also been told to pay them or " else. '' I have been told that they " do n't have to do anything and do n't care about '' my issues with repayment. It is shocking how quickly their attitude changed when my loans entered repayment. When applying for these loans, I was led to believe that income-based repayment options would be available to me after graduation if I was unable to make the original set payments. I am currently using graduated repayment on the loans I have that qualified, but even with this option, the payments are still too high - almost half of my monthly income. I try to be financially responsible and do not want to see my credit and potential future ruined over their lack of willingness to work with their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CRA Collections, Inc
State: DE

Complaint narrative:
XXXX was billed by the XXXX XXXX XXXX XXXX in Delaware and the debt was sent to Revenue Collect. The case ID # is XXXX and the total amount due is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: SLM CORPORATION
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by Sallie Mae Bank that I do not recall authorizing. Sallie Mae should contact me before placing an inquiry on my file. I am fraud victim and my credit file indicates to contact me before pulling my credit file. Sallie Mae should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have spoken with Sallie Mae representatives to remove inquiry and they agreed to remove but I did not receive any letter from Sallie Mae to indicate that.

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 2016-12-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I told them that I couldnt possibly finanacially pay the XXXX+ dollars a month Started paying XXXX Dollars a month. Constant harassment of phone calls throughout the day. They took my loan off the website so I couldnt make monthly payments and threatened to default. Man told me about my private income that he has no business knowing about ( my credit card payment for instance ) Has called my co-signer 's JOB multiple times throught the year already. Also the school in which I got this loan for NO LONGER EXISTS

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: 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:
I 'm a recent graduate of XXXX University in XXXX, PA. I called Sallie Mae at ( XXXX ) XXXX a couple times to get a couple questions answered about their rate reduction program and extended repayment plan as I need help getting my rates and payments lowered to avoid delinquency. Each time I called, I spoke to a different person from Sallie Mae and they were very rude, shady, and not willing to help. I was lied to by the first employee after being told they do n't have a rate reduction plan. The second employee told me I 'd need to be transferred to collections for information about the rate reduction plan, but she would n't do it because she did n't think I needed help. My second question was about extended repayment and received different answers once again from both employees. Both calls made me feel like the people working for Sallie Mae are n't concerned with the well-being of those who have loans through their 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 2016-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc.
State: AZ

Complaint narrative:
Account Control Technology began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : Account Control Technology XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AES/PHEAA
State: FL

Complaint narrative:
I took out a loan for the amount of {$25000.00} back in XXXX/XXXX/XXXX for a boarding school for my stepson through a school in XXXX georgia call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. 
The company holding the note is called " aes '' American Education Services XXXX XXXX XXXX, PA XXXX XXXX. The original note was to be paid off 10 yrs. Since then its been a moving target and seem never to get paid off. After 10 yrs of this loan and paying over the minimum the last few yrs. I received a statement stating XXXX/XXXX/XXXX that I paid {$11000.00} in interest and {$11000.00} in principal.For a couple of years I thought the over payments was going towards principal to come to find out it was n't and they requested something in writing. So I did send it and to this date they are still not applying over payments to the principal.This loan although low interest rate it seem to change and adjust every year, My last statement is now telling me my new repay amount is {$17000.00} taking an addition 104 months with a payment of {$160.00} per month. Please help me with clarification, there has to be something wrong with their practices of loaning money and I need some guidance to help me from this scam. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I received a letter from Fay Servicing , LLC dated XXXX XXXX, 2015 that my mortgage loan was sold, transferred or assigned to a new creditor, XXXX XXXX XXXX. The date the loan was sold to the new creditor was XXXX XXXX, 2015. This is the third time my mortgage loan has been sold right before finalization of my deed in lieu of foreclosure resulting in multiple unsuccessful attempts to complete the foreclosure process. Not only is this frustrating, but I was not given the appropriate notice about the creditor change. I should have been given no less than 15 days notice before the effective date of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC
State: AZ

Complaint narrative:
The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.

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 2016-01-20 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: CO

Complaint narrative:
I attempted to pay off my loan on XXXX/XXXX/2016. I received an email XXXX/XXXX/2016 that the bank was unable to find the account and my payment had not been processed. I called American Education Services to resolve the issue on XXXX/XXXX/2016. I was told although i had been paying for my loan for years with XXXX account, they had tried to charge an old bank account and that was why it did not process. After being on hold for thirty five minutes, I was told there was nothing they could do I would just have to wait for their system to clear the incorrect payment. I was told this could take a couple of days which at this point would add ten days of interest. The representative said it was " only a dollar or so and it was not that big of a deal. '' I think it is wrong that I paid the loan off on XXXX/XXXX/16 and can still be charged over a week of interest for a systematic error on their behalf. Putting the bank error aside, I tried to pay the loan off today over the phone and AES would not take my payment. I do not understand how i could be charged additional interest following today 's date because I tried to make the payment today and they would n't take it. Yes it may only be another XXXX cents, but this is completely unethical. I refuse to believe it is lawful for them to refuse a payment and then charge me interest until they feel like taking my payment? Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Repeatedly charged {$99.00} fees without explanation, despite sending on-time payments. Wrote to company, but did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number. 

The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute. 

We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit. 

Please see the attached documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: CA

Complaint narrative:
i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I moved out of an apartment in XXXX. I paid for rents due after going to court with the landlords. I have money orders to prove I paid them in full. A couple months after I left they sent me to a rent collection agency. 
I was n't aware of this debt being active and saw this reported on my credit report before they even wrote to me to inform me or give me the chance to dispute this. I was furious and contacted the company right away. I told Rent Recovery Solutions I paid in full and can prove it. Rent Recovery Solutions did not care or listen. They were so rude to me. I told them they should not report false information and did n't warn me. 
They said they did n't care what I am saying and denied me my rights. 
After disputing with them without response, I tried to dispute this with the XXXX credit reporting agencies. All three credit reporting agencies claim the debt was verified. I wrote to the credit reporting agencies and send my proof of payments. Still they credit reporting agencies and Rent Recovery Solutions are not acknowledging my payments. I need this to be corrected and removed. I should not be forced to pay this debt again because of their gross non compliance with credit collection activity. 
I need to take care of this since it is preventing me from obtaining a loan for my business. This is unfair and it has been months since I have been trying to fix this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. 
Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. 
I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. 
I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? 
I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX collection needs to verify account or remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover credit needs to be investigated for fraud, and bait and switch practices. There is no {$0.00} fee charged each year, despite the attached online statement made by their company. Fees ARE indeed charged each year by Discover, they are exorbitant, and they continue to lie about it. This is a discriminatory practice, and it is unlawful. Discover should not be allowed to make this statement, as it is a lie. Discover does indeed pull a bait and switch on the consumer as a result of this front page statement, and continues to advertise incorrect information to an unsuspecting public. 
This continues the complaint I made about Discover Credit on XXXX XXXX, 2016 ; to date have received no reply from Discover to my complaint, and in fact, continue to be ignored by Discover Corporation regarding my email dated XX/XX/2016.This is a bait and switch complaint. It will continue to be this way until I receive a correct settlement of account for my credit card balance for Discover credit minus the yearly fees that their company supposedly does not charge. I need the corrected balance minus the exorbitant fees that I was charged was all that I requested. This request as per XXXX/XXXX/2016 continues to go ignored. Why?! I do need an itemized statement sent by US Mail, so I can settle this account. Thank you for your assistance in this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation