vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
I keep receiving an email from XXXXXXXXXXXX subject line : lawsuit regarding a one time payoff amount for {$390.00} to ACE-Ace Cash Express total amount being {$750.00}. I do not know where this comes from and it does not show up on my credit report. 

" This is in reference to your CASE FILE NUMBER *** with XXXX in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. SO the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 

Your account with XXXX is in Final Collections. According to our records, your outstanding balance has been increased to {$850.00} .... We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$750.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: OK

Complaint narrative:
I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XX/XX/XXXXThe following company, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, purchased my student loan debt which has been contested in its entirety since XX/XX/XXXX. XXXX XXXX XXXX , XXXX calls my residence daily in violation of certified letter sent to the them back in XX/XX/XXXX. Furthermore, the company, along with all previous collectors including the original debtor has violated, at minimum, my rights under the American Disabilities Act and US Constitutions Equal Protection Clause. XXXX XXXX, XXXX.threatens to excise fees over a disputed debt which they have been aware of since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by 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 2015-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: MS

Complaint narrative:
In XX/XX/XXXX I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In XX/XX/XXXX my now ex girlfriend became XXXX.. In XX/XX/XXXX I lost my job and it was n't until XX/XX/XXXX that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in XX/XX/XXXX we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for XX/XX/XXXX I believe ... I then contacted them as while they have been sending all these collection notices they have also been sending more of those checks hoping I would cash another.. Which I have not.. Cant afford the loan I do have ... Anyway I contacted them and then went to see them this morning.. I took them a payment and told them I needed to know when I took out the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for XXXX on XXXX XXXX, XXXX Then in XX/XX/XXXX I borrowed another XXXX ... They combined the loans and I had been paying XXXX a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for XXXX I have paid in XXXX. XXXX ... I have a balance of XXXX outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling XXXX-XXXX times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government 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 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
I have been trying to go through the process for a Home Loan Modification for the past several months. I have been working with a Company Called Rushmore LLC. I have been in contact with them on several occasions to help me with a XXXX. I have faxed a complete package to them, and I have also had my son to email the requested items. I was told either i was missing something or they did n't receive it as of yet. I have followed the checklist of items that were required in order to have a complete package. I would call to advise that the information has been sent via email or fax, but at the same time i would be told by XXXX of their representatives that " we are not going to help you, we are just coming to get the house since you ca n't make the payment '', and this was a very very hurtful thing to hear. The reason I was seeking Financial assistance due to my life partner be XXXX, and I could not afford the medical expenses, cost of XXXX, and a mortgage payment. My life partner recently passed in late XXXX of 2016 from her battle with stage XXXX XXXX XXXX. Also, while in this process for a modification I made a terrible discovery from my bank, when I tried to apply for a loan. I found out that my dream home was in foreclosure, and here I am thinking I 'm doing everything possible to prevent this from happening. I also received an Anonymous letter " stating that we are coming for the house '' and low and behold I received a letter stating I had to be out of my dream home by XXXX XXXX. Also Rushmore stated that they sent of a letter stating that I was in Foreclosure which they did n't not. The only thing I received was a decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
After graduating from a four year college, my students loans with Sallie Mae were deferred for 6 months. After the deferment ended, I was told over the phone with a Sallie Mae representative that if I could not afford my payment I should put my loan into forbearance. I had not yet paid any of my loan at that point, and did not know I could make smaller payments that would not affect me as seriously. I put my loan into forbearance 3 times following that conversation, until I realized what a huge effect it had on my interest. I am now in debt more than ever and feel like I will never get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Niagara Credit Solutions, Inc
State: MA

Complaint narrative:
A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Control Technology, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae does n't provide a form XXXX for student loan interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Feldman & Stern, LLC
State: CA

Complaint narrative:
Feldman & Stern, XXXX XXXX, XXXX contacted me to collect an amount claimed to be due to XXXX, XXXX XXXX, XXXX for {$99.00} for amount due when my membership was cancelled. I gave written notice to cancel in XXXX 2014 and never received a request for payment until this call. Was told if I could n't provide registered mail receipt immediately that I would be sued for the money. Requested I make payment by check over the phone. I refused and was told I had to send a money order via over night mail. Until I get more information from the business I do not intend to make any payment. No amount is due based on actions I took. It could be bad practices by this health club and/or an illegitimate debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: SN SERVICING CORPORATION
State: HI

Complaint narrative:
SN Servicing Corporation is falsely alleging that my husband and I owe {$630000.00} for an alleged mortgage. Notwithstanding the fact that public records and property tax records show there is no mortgage on our property, SN Servicing continues to send monthly billing statements with alleged costs escalating each month. Months ago, my husband and I contacted SN Servicing in or around XXXX XXXX and spoke with XXXX XXXX and XXXX XXXX who claimed to be portfolio managers. When we asked why they were charging us for attorney fees and foreclosure expenses, we were informed that those fees were for XXXX law firm, XXXX [ Note address : XXXX, HI XXXX phone : XXXX XXXX / fax XXXX ] This law firm attempted to foreclose on our property on behalf of XXXX I in XXXX XXXX to XXXX XXXX in the Hawaii XXXX XXXX Court but failed to foreclose. The case was dismissed on XXXX XXXX, XXXX. Now SN Servicing continues charging us foreclosure expenses, alleged mortgage charges, and other expenses including opposing counsels ' attorney fees that we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : XXXX

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 2017-01-24 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: NC

Complaint narrative:
I graduated from college in 2015 and I took out private loans through Sallie Mae throughout my four years. I was XXXX and my parents cosigned with me. I have been paying more loans for a little over a year now. In that time I have paid over {$6500.00} just in interest rates. I am currently paying {$670.00} a month just for my private loans this does not include my federal loan of {$180.00} per month. I have called multiple times to Sallie Mae to refinance or consolidate or receive income based payments. I was told we do not offer any of those things. I have also have tried to refinance through a bank which I was denied for because of my debt-to income ratio. I currently work at a job where I make {$XXXX} an hour. This is the only job I could get out of college in my field at an entry level position. I am currently struggling to live because of my student loans. Paying {$850.00} a month is not acceptable. I have barely paid anything to the principle because my interest rates range from 8.5-9.875 %. I have payments of {$0.00} going toward the principle. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services
State: TX

Complaint narrative:
Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: CO

Complaint narrative:
I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Element Global Services
State: WA

Complaint narrative:
I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation