vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA
State: PA

Complaint narrative:
This complaint crosses over several issues : Communication tactics AND Threatening to take an illegal action : ( 1 ) this company threatened to take legal action without properly notifying us that such an action was in motion. They state that they would then " mail a copy '' of a judgment without notification that suit has been entered into court. They expressly state their intention to deny us our due process rights while providing misleading statements in the introduction that they are actually advising us of our rights pursuant to the Fair Debt Collection Practices Act. 
( 2 ) they have made frequent and repeated calls Improper contact and sharing of information ( 1 ) they have left personal information on an answering machine that was audible to a room of individuals, including our children, disclosing the possibility that we may have debt. The message states that they are about to divulge sensitive information so if the individuals listening are not " they provide our names here '' to hang up and then they proceed to divulge that personal information with no guarantee that the party on the other end is actually " they provide our names here, '' and in fact, in several instances they were not. We have numerous recordings and sworn evidence of this. 
Further, XXXX XXXX XXXX XXXX XXXX XXXX is a Trust and has not established an individual of ownership nor any other named individual of ownership, we have not acknowledged this debt as legitimate. 
This company has caused irreparable harm to our children, family and several friends having disclosed this sensitive information via recorded calls, leaving personally identifiable information and our names

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I was at a Suntrust Bank location today and was ( I believe ) intentionally short-changed on a deposit. Fortunately, I counted my cash before I left the property, immediately went back into the branch and the issue was corrected by the same teller who did the original transaction. I am very concerned that this appeared to be a conscious attempt to defraud me. I tried contacting Suntrust Corporate to speak with their internal audit staff but their customer service was not able to help me. They did not even seem to know whether or not Suntrust had an internal audit staff. Suntrust website is equally unhelpful. The links to the Fraud and Security section are all addressed at external sources of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I had submitted a complaint XX/XX/XXXX regarding Fed Loan Services inability to adjust my loans to a level where I could afford to pay on income based repayment after my account was direct debited for {$1200.00} vs the {$800.00} I had been paying. For a period of nearly 6 months ( XX/XX/XXXX- XX/XX/XXXX ) I was induced to put my loans into a general or hardship forbearance so that the reviewers could adjust my loans. I was told that had no choice but to be in forbearance and was not able to make any payments during the adjustment period. Each month they adjusted the loans to a total level that I could not afford. I would get conflicting emails and invoice in the mail stating what I would owe, stating that I had past due amounts, stating what I had to pay the following month. Each time I would call frantically trying to figure what was going on, only to be told I had to extend my forbearance. I am asking that the due to the Servicer 's inability to adjust my loans during a 30 day period, that any additional interest recapitalized be forgiven. I have spoken with the Servicer 's office ( XXXX XXXX XXXXXXXXXXXX, XXXX ) several times XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX when she has reviewed my file. Each time she does not understand the context of my request for relief and each time she states that she will re-review my file for the relief as she did not earlier understand my request. It has been almost 5 months since my last correspondence with the servicer and a year since my initial complaint with no summary of what is being done to close out this complaint. I would appreciate the CFPB/Ombudsman intercede on my behalf to drive a resolution and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.

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 non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
According to the original agreement for my students loans ( and the information on Pennsylvania Higher Education Assistance Agency website, FedLoanServicing ), I can choose which of my two loan payments receives the greater amount of money after satisfying the minimum due each month. As a XXXX veteran with increasing physical ailments who is finding work difficult, I attempted to pay down my unsubsidized loan. I tried to use their online distribution box to do so, but the boxes are fake and do not allow me to split the amounts ( I 'll attach a screenshot ). On XXXX/XXXX/16, I applied {$500.00} extra via the online site in the belief they would at least divide the amount equally between both loans. They did not, instead paid the larger amount towards the subsidized loan. I called customer service and was told to specify the loan number and " Sequence XXXX '' on the check, to make sure my extra payment would go to my unsubsidized loan. I did so and again, they failed to apply the second {$500.00} as directed on my check cashed on XXXX/XXXX/16 and instead split the amount, paying more to the subsidized loan, in direct opposition to my instructions. Normally, I could send a copy of that check but the company destroyed it and instead sent an electronic notice to XXXX XXXX XXXX, which I will attach. I have written them to correct the billing immediately before I take legal action. I intend to send this to XXXX XXXX, President Obama, Representative XXXX, XXXX XXXX, XXXX XXXX, and in the hopes that they will investigate Fed Loan company for fraud. I also need help in moving my account to a reputable company. Thank you for any assistance you can provide. -- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
Unifund can Not validate the lien they put on property

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Received a noticed on taped on a gate stating that we are being sued by XXXX XXXX XXXX XXXX. I do n't have a clue who this or what debt they are claim as it does not appear on my credit report. If they are attempting to collect as bulk debt perchaser they should have been made to send proof of the debt is owed by me. The documents they stuck to my gate even look fake and the note states that this does n't have to be settled in court to contact some shady law office of Scott, Parnell and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: United Military Mortgage, LLC
State: WA

Complaint narrative:
I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Submitted an complete Loan Modification packet on XXXX XXXX, 2015 to Fay Loan Servicing. 
We have not had a return call or email response from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: IL

Complaint narrative:
Sallie Mae - They call and leave a message while I 'm at work I can not pick up, call right back and leave another message, all day long. Last I heard More than XXXX calls is considered stalking, is there anything that can be done? I do n't mind a call a day, but this is complete harassment. I am getting a message almost every hour during the day, if not more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Element Global Services
State: CA

Complaint narrative:
Debt collector agent from Element Global Services continually calls me looking for someone I do not know. I have had this phone number for 30 years. They tell me they 'll remove my phone number but in a few weeks I get another call. The police department tells me he lives in the same town and they know who he is. This time the agent asked if I was his mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NE

Complaint narrative:
The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for 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 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
The account that is being collected from a XXXX XXXX XXXX from the advanced collection Bureau in the amount of {$480.00} is not my debt. I did not have services with this company and ask that this false information be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I noticed my XXXX credit score had dropped. After running my credit report, I found a collection was placed on there for {$180.00} from XX/XX/XXXX. I had seen this XXXX in XX/XX/XXXX, but had prepaid for my procedure. I was never contacted by them about an additional amount due. I have also never been contacted by the collection agency about the collection placed on my credit report. My address has stayed the same since the collection was placed and my phone number has never changed. I do not believe this debt is mine.

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