vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 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: FL

Complaint narrative:
The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.

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 2016-11-04 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: PA

Complaint narrative:
I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: RI

Complaint narrative:
Consumer Portfolio Services has reported that my car loan was charged off even though I had made payment arrangements with them. They never disclosed to me that they would charge off the account nor did they notify me about this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 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: MA

Complaint narrative:
I changed my bank account in XXXX 2016 and alerted Sallie Mae and changed my bank account number in their system and deleted the old account. I updated all auto-debit setups. First, in XXXX 2016 XXXX student loans went to the old account ( auto-debit ) and were declined. Now in XXXX 2016 the XXXX student loan ( also auto-debit ) went to the old account and was declined. I received notification on XXXX/XXXX/2016 that the charge did not go through and started receiving collections calls the same day ( even though I immediately paid all that I owed and the next month ahead as soon as I was notified ). I called customer service the same day ( call was recorded ) and the customer service rep admitted she could see no record of this other account and could n't understand why this other account had been charged. She helped enroll me in auto debit again and yet still my account does reflect the accurate information. There is no record of my pending payment, nothing ( even though the customer service rep could see I had a pending payment ). Sallie Mae 's systems are woefully out of date and the customers should not be punished for their shortcomings.

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 2016-07-27 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: CA

Complaint narrative:
I contacted Sallie Mae to request some relief when I could not make $ XXXX/month payments on a XXXX % private student loan. Asking if there was any way to lower my payments I was told that I could enroll in auto debit to save .25 % on my interest. I told them that that would not help. I was then told that I would have to miss payments and go delinquent on the loan before they could offer me any additional assistance. After I missed my first payment I called again and was told that I would have to get current before they could offer me any relief. I did n't have the {$200.00} that I owed them now they wanted {$400.00} before they would discuss relief. I missed an additional payment and called them a third time. This time I informed them that I was recording the call to keep my own records because I believed that I could not rely on them to work with me to offer realistic solutions. They refused to speak to me while I was recording and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO 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 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: WI

Complaint narrative:
I HAVE A PREPAID CARD WITH RUSHCARD/UNIRUSH. I HAVE BEEN UNABLE TO ACCESS MY FUNDS SINCE XXXX/XXXX/15 AND HAVE NOT BEEN ABLE TO GET IN TOUCH WITH THE COMPANY. WHEN YOU CALL ANY OF THE CONTACT NUMBERS FOR THEM THE LINE RINGS AND HANGS UP AFTER BEING ON HOLD FOR HOURS. WHEN I DID FINALLY GET THROUGH LAST FRIDAY XXXX/XXXX/15 I WAS TOLD MY INFORMATION HAD BEEN COMPROMISED AND I NEEDED TO ORDER A REPLACEMENT CARD WHICH WOULD BE XXXX TO BE EXPEDIATED. THE SYSTEM HAS BEEN DOWN SINCE THE XXXX SO NOT SURE HOW THEY WERE ABLE TO DETERMINE THAT. I PAID THE XXXX FOR 1-2 BUSINESS DAY XXXX SHIPPING AND HAVE NOT RECEIVED THE CARD YET. WHEN I CALL TO TRY AND GET A TRACKING NUMBER THE LINE DISCONNECTS. I HAVE READ ONLINE THAT OTHER PEOPLE HAVE RECEIVED REPLACEMENT CARDS THAT CA N'T BE ACTIVATED AND THEY CA N'T REACH THE COMPANY TO GET IT FIXED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 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: OR

Complaint narrative:
My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks 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 2016-01-12 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: AL

Complaint narrative:
I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: OH

Complaint narrative:
My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation
State: AL

Complaint narrative:
On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
The calls keep coming from a place called Warner Location Services, Warner Asset Services, Warner XXXX Services. They are from a XXXX XXXX. The number that he calls from is a XXXX, Tx number XXXX, but gives a call back number of XXXX. When I did a reverse number lookup for the XXXX number that number was registered to a female here in the city of XXXX, Tx. I never answer the calls after finding out the numbers were questionable. They say there has been a complaint filed in their office but never say what the complaint is. Oddly enough the only office listed for any of these companies is in XXXX XXXX XXXX. on XXXX within a span of 10-20 minutes there were a total of XXXX phone callsXXXX on the home phone and XXXX on the cell phone. XXXX XXXX has been told several times to quit calling and he continues to call. XXXX of the reports on this company says they just bought out XXXX XXXX which is a pay day loan place. I have never done business with this place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 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: Pinnacle Credit Services, LLC
State: LA

Complaint narrative:
This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation