vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: ME

Complaint narrative:
While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with 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 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ashton & Weinberg, Inc.
State: FL

Complaint narrative:
A woman claiming to be XXXX XXXX has left harassing and threatening voice messages at my home at XXXX for the past two days. She claims I have until XXXX to call her back or else. I called yesterday XXXX/XXXX/XXXX at XXXX and spoke with a gentleman from a " law firm ''. When I asked to speak to XXXX XXXX he does n't know who she is. He explained to me about a debt with XXXX from XXXX. I have not received a validation notice and he insists that I am lying and that I did receive XXXX of them. He verifies my address and still I tell him I 've never received one and I 'm not going to pay you over the phone without seeing something in writing. He was the most disgusting human being I 've ever spoken to. He was so demeaning and sarcastic it sickened me. I ask him for his mailing address and it took him 2 minutes to find it. He gave me the following address which is linked to a company called XXXX XXXX XXXX XXXX ( not a law firm ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX. I told him I will mail him a letter stating that he can no longer call my home number and leave threatening messages. He laughed at me. 

This morning I receive a phone call from XXXX XXXX. She insists that I 'm not the person that she needs to be speaking with. She continues to threaten me and tell me she will update her system and that I should be prepared for what 's coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Priority Financial Network
State: FL

Complaint narrative:
I purchased a home located at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. My loan officer was XXXX XXXX, Branch Manager, NMLS # XXXX with XXXX Mortgage Services. On XXXX/XXXX/15 XXXX provided me with an initial Good Faith Estimate, for an interest rate of 4.375 %, and total settlement charges of {$21000.00}, including a loan origination charge of {$4200.00} and charge points for interest rate chosen totaling {$2600.00} This estimate, as stated on the XXXX page, was good through XXXX/XXXX/2015. Since closing was going to be later, and XXXX was unable to get me the specific interest rate, he sent me a new Good Faith Estimate on XXXX/XXXX/15. This Good Faith Estimate, which was the final GFE sent to me, had an interest rate of 4.625 %, and showed total settlement charges of {$15000.00}, including a loan origination charge of {$1500.00}. This interest rate was good through XXXX/XXXX/15 and the estimate for all other settlement charges through XXXX/XXXX/15. We were scheduled to close XXXX at XXXX a.m. The night of closing XXXX sent me a preliminary HUD with all estimated closing costs. The closing costs were completely different than those listed on the final GFE, including a loan origination charge of {$4200.00} and charge points for the specific rate chosen, totaling {$6800.00}, a difference of {$5200.00} which they said I had to pay or they would withhold closing and I would be out my initial deposit for the house, which was over {$8000.00} and they would not fund my house. As stated on the XXXX page, these are fees that can not change from the final GFE. You will notice on the XXXX page there is a discrepancy. All morning my real estate agent and I were on the phone with both XXXX, and XXXX XXXX, the representative XXXX, trying to get this straightened out. Finally, after over 3 hours or arguing and speaking back and forth with XXXX my real estate agent XXXX XXXX, they took off {$2600.00} from the loan origination fee. They still kept on the charge points totaling {$2600.00}. XXXX threatened saying if we did not close we would be out our money, so we decided to close, but are still very upset that we had to pay the charge points for the specific rate chosen, 1. because we did not get that rate - our rate was 4.625 %, not 4.375 %, which if we were given that rate, would have warranted that additional charge. 2. Because the amount was different than that shown on the final GFE. We are owed that money, and want it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: WV

Complaint narrative:
I obtained several loans through Sallie Mae to help pay for school, XXXX to be exact. The time is coming for repayment, I received a statement of what I would have to pay ( it was an outrageous amount ), so my grandmother kindly helped me and paid for two months, around {$660.00} total. It turns out that Sallie Mae did not apply that amount evenly to all the loans and XXXX of them became outstanding. I have called several times to have this issue fixed and it is STILL outstanding. Now they are lowering my credit score due to this issue that is completely THEIR fault. Additionally, they are also unwilling to work with me for a payment plan that I can actually pay. They also will not stop calling my poor grandmother due to this " outstanding '' loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SLM CORPORATION
State: NH

Complaint narrative:
On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I have requested verification and validation of debt several times and this company refuses to provide to me. I do not know what this debt is and when I contact the company they can not locate my account with my SSN yet still continue to report this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 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: CONTRACT CALLERS INC
State: MO

Complaint narrative:
In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.

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 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA 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 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the 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 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have never lived at the address where XXXX authorized an account to be opened which apparently used my social security number. I have lived at my current address for 13years straight. The services that I had with XXXX was at my current address and was paid in full and cancelled and all merchandise returned. I spoke to them over the phone and was told on yes we see your account was closed and current and a refund mailed when closed we will take care of. Now this {$920.00} balance is showing under my social and the address they have is not mine. I currently have XXXX cable services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know 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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
I have reported to the financial institution fraudulent usage of my information

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 2017-03-03 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: CO

Complaint narrative:
My student loans are managed by FedLoan Servicing and since being transferred to their service I have experienced significant issues - for the past few years I have to annually request a recalculation since they use my household income to calculate my payment, but fail to include in the calculation that both my husband and I have student loans. Additionally, during the last recalculation I requested a forebearance until they recalculated my repayment - they did not apply the forbearance, though they indicated that they had during our phone call, resulting in an unknown missed payment. My payments are direct debit, so I find it odd that I could simply " miss '' a payment ; the mistake could only have been caused by their representative. 

I only just found out about the missed payment from XXXX - they claimed to have sent me emails and mail, which I never received until recently. I save every email from them and responded to the first one- received yesterday- that indicated delinquency. I am a responsible person, I pay my bills, and address issues as they arise. Since my loans were transferred to this company I have experienced significant issues that have resulted in me overpaying on loans due to miscalculation and now an erroneous delinquency on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
My bank is Pacific Western Bank at www.pacificwesternbank.com. I am in dispute over {$1200.00} in unauthorized debits from my account, which the bank refuses to recognize, as they will only initiate the dispute is its 60 days or less. I only recognized when my account went into the negative. I want all fraudulent charges disputed nd all funds returned, including any and all NSF or Overdraft fees since the first unauthorized charge/debit occurred. My name is XXXX XXXX XXXX at XXXX CA. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am the consigner for my daughters student loan through Navient. She paid 3 months XX/XX/XXXX. They called her XX/XX/XXXX and told her that the interest needed to be paid. She paid the interst and put it in forebareance. She was told that she did not have a payment until XX/XX/XXXX. They put on our credit that we were delinquent for XX/XX/XXXX and XX/XX/XXXX. My credit rating fail from XXXX to XXXX. We were never notified about the delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I switched over my loans to Naviant, it being involved w/ the Department of Education I thought it was safe. I am now getting charged a much higher interest rate than what it is supposed to be at this present day. I was told that I am paying the interest rate of what it was at the time I got my loans.

Company response to consumer: Closed with explanation