vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: MS

Complaint narrative:
I took out loans through Sallie Mae between XXXX XXXX and XXXX XXXX totaling around XXXX dollars. I graduated in XXXX XXXX, jobless, and soon started receiving harassing phone calls from Sallie Mae ( Upwards of 3x a day ). Sallie Mae also called many other associates of mine - from my neighbors to my sisters. I tried to reason with Sallie Mae multiple times during the time of my unemployment ( XXXX XXXX - XXXX XXXX ) and was told that all XXXX of my loans could be deferred for 3 months at XXXX dollars a piece, which surpassed the amount for my student loan payments. Being without a job, I could n't pay anything. I now owe XXXX to Sallie Mae ( XXXX more than I originally borrowed ) and my student loans have been transferred to a collection agency ( XXXX XXXX. XXXX took over my loans in XXXX of XXXX and have added XXXX dollars in fees over the course of XXXX months. They even went as far as to tell me they would repossess my mother 's house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: Franklin Collection Service, Inc.
State: IN

Complaint narrative:
Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: MI

Complaint narrative:
Comerica Bank at XXXX XXXX, XXXX XXXX Michigan took our XXXX XXXX Card. My husband went into facility to retrieve and was told they shred cards other than theirs. He went back outside waited for the next person and retrieved our receipt in which they charged a fee. He then called me his wife. I called the branch to get them to send back and was told it was their policy to shred other bank cards. I am very upset about this policy as the inconvenience of having to redo on line accounts is time consuming and costly. Please look into and get a written apology from this ruthless instution. I feel for people who depend on their Bank Card or who are travelling. This Bank should be fined. Our Bank told us this is not the first time their cards were confiscated STOLEN by Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a {$1.00} Experian Credit Report on XXXX XXXX, 2016 and was pleased with the result. After receiving XXXX separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately {$22.00} per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. 
Customer support informed me that the {$1.00} report I signed up for included an automatic enrollment in the monthly service ( again, at XXXX the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the XXXX subsequent emails. I am fortunate to be in a position to write off a {$22.00} fee as a learning experience, but feel intentionally misled by the {$1.00} upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as XXXX and 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 monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Comerica
State: CA

Complaint narrative:
My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: NH

Complaint narrative:
Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica
State: CA

Complaint narrative:
I had a Comerica checking account from XXXX XXXX, 2016 to XXXX of 2016. The branch manager is XXXX XXXX. Her phone is XXXX. Branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I need access to check images from this account for tax purposes. Comerica is trying to charge me {$5.00} per check image. There are a total of XXXX check images, which could come to {$1500.00} to access electronic documents. I 'm fine with electronic banking, which saves paper and postage, but I should be able to access my own information for some reasonable fee. Comerica 's business model seems to be based on predatory fees. ( For instance, overdrafts are assessed XXXX fees -- XXXX for {$36.00} and another for {$25.00}, making a total of {$61.00} per overdraft. They also start with the smallest overdraft rather than the largest to maximize their take. ) I 'm perfectly willing to pay some kind of reasonable fee to gain access to my account info, but {$1500.00} is ridiculous. The branch manager is much more interested in squeezing more money out of customers so she can look good on her quarterly statements than working with me to find a reasonable solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CFM Group LLC
State: CA

Complaint narrative:
In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you

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 non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: CA

Complaint narrative:
I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc.
State: WA

Complaint narrative:
Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Business Bureau
State: FL

Complaint narrative:
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by 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 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: D&A Services, LLC
State: GA

Complaint narrative:
D & A Services, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, IL XXXX - Trying to collect on a debt that was completed in 2006 from returned damaged merchandise. The damaged merchandise was picked up in 2006 by delivery men of an XXXX store and XXXX sold the old debt to D & A Services. A XXXX XXXX, Manager, completed the return of the damaged merchandise. This was all done in 2006 and very old. We are not in possession of the damaged merchandise. I have notified D & A Services of the above and do not want them to continue with contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. 

FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. 

I wrote to them XXXX times with certified mail and the last time received no response. 

I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. 

I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: Stellar Recovery, Inc.
State: OH

Complaint narrative:
Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: Stellar Recovery, Inc.
State: OR

Complaint narrative:
I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: Stellar Recovery, Inc.
State: CA

Complaint narrative:
XXXX account fraudulently opened in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I have fallen into a vicious cycle where I am unable to pay my debt and so it just keeps growing, and I now owe more than I take in each month. I called SoFi, a company with whom I attempted to consolidate my debt at one point to discus my options -- the original loan was not large enough to consolidate all my debt and I was unable to manage both sets of payments -- and they completely dismissed me. They said there is nothing that they can or will do. My payments are due when they are due and they will continue reporting my failure to pay to the credit reporting agencies. I have reached out over phone and email and expressed me desire to work out a plan in good faith, but they refuse to cooperate. How can one make any headway against such intractable and heartless disregard for the reality of my financial situation??

Company response to consumer: Closed with explanation