vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 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: MO

Complaint narrative:
I have been with Sallie Mae since XX/XX/XXXX when I first started college. I have around {$83000.00} of private student loan debt with them due to them raising the interest rates for all of my individual loans which they do not consolidate every month. When I graduated college XX/XX/XXXX Sallie Mae wanted me to pay {$1100.00} a month with a 9-9.75 % interest rate, which was XXXX my monthly income. When I told them I could n't afford that amount they told me there were absolutely no repayment programs I could enter into because they do n't offer any. I had to go into a forbearance period of 9 months in order to figure out how was going to afford these payments. It was n't until 8 months into forbearance ; and calling every week trying to find an affordable solution, that someone in the call center told me that I could apply for a term rate reduction plan. Now all my loans are at 2 % interest rate but I have to reapply and be reevaluated in two years. When I asked what that meant Sallie Mae told me that in two years they would see if they can raise my interest rate back up to 9 % depending on my income earnings. Their program will keep me in the same financial hole I am in now trying to just make minimum payments. 

Now that I have been enrolled in the term rate reduction plan, the only way I can be kicked out of the program is if I fail to make all my monthly payments but every month ( for reasons the customer service team fail to explain ) my automatic debit has been canceled on some of my loans. Which causes me a huge amount of XXXX because every monthly due date ( the XXXX of each month ) I have to search through which of my loans payment was n't taken out of and call Sallie Mae trying to get them to fix it. Each time I am on the phone with them they either randomly hang up ; the call randomly dropped, or I am shuffled between XXXX-XXXX customer service personal.

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 2016-09-20 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: Synergetic Communication Inc
State: WI

Complaint narrative:
4 times I have asked this company to not call my number. The person who owned my cell phone number before me has debts and it has n't been there number for years! At this time I am very angry

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CRA Collections, Inc
State: DE

Complaint narrative:
I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: NJ

Complaint narrative:
I was five days late on making a {$55.00} payment to Sallie Mae and they began to harass my husband at work, calling XXXX to six times a day and telling him he needed to make payment immediately. They have NEVER contacted me and I am the loan-holder. Additionally, I made payment seven days ago using online bill pay, which generally takes one day to go through as it is merely a matter of transferring funds from XXXX back to another. On the most recent call, I was with my husband when he answered the phone ; I got on the line and explained to the customer service agent that no one has ever called me about the loan and I 'm the person who holds it. He claimed that people had been calling me for days, which is not at all the case. I went on the Sallie Mae website to ensure my phone number is correct, and it is. My address is also correct, though I have not received any type of correspondence from them. They will not stop calling my husband, even though I 've made payment and my husband is not the loan-holder. They wo n't listen to anything we tell them on the phone ; the only thing the customer service agents will say is, " You must pay immediately '' and " How would you like to pay? '' I am concerned my credit may be negatively affected if they report non-payment ; I am similarly concerned my husband will lose his job because of all the calls he is getting throughout the day at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
" XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
I have a company attempting to collect a debt they say was assigned to them. The company is not licensed to collect in my state. I never signed any documents allowing assignment of debt. I never signed any documents acknowledging right for them to charge interest on the debt. They failed to provide validation of debt, including license to act as collector, charge interest, or proof of assignment of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC.
State: RI

Complaint narrative:
I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I opened up a gym membership with the XXXX. I signed a two year contract therefore I was stuck. But I was told that we could break it if we payed a fee. I forget the amount, and because they had lied and deceived me I stopped paying the monthly payments. And now they sent my account to collections. This is n't even a credit card or an autoloan for it to affect me like this. They are undeserving of the payment because of the lying and shady practices they do. So I need this erased from my credit.

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 2016-05-25 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: IL

Complaint narrative:
I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency

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 2015-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 
I had previously requested the following 3 from your collections services of XXXX which has never happened. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: OK

Complaint narrative:
I applied for XXXX degree and was excepted XX/XX/XXXX. I decided to get a loan to help support through my 2yrs of schooling with American Education Services. I graduated XX/XX/XXXX with my degree and starting working XX/XX/XXXX for a XXXX. I went to my bank and consolidated all of my debt XX/XX/XXXX. My loan officer wanted the payoff for all loans or credit cards before he would give me a check. I called AES for a payoff amount and then sent them a check for the pay off amount. XX/XX/XXXX AES sent a statement showing I still owed {$2500.00}, I called and asked why I paid you off 8 years ago. The representative said your account shows you called for a pay off but that was n't a pay off. I said I did n't understand why and after 8 years they are chasing me down for more money and that I would n't be in a big hurry to pay them anymore money. With it being 8 years later I do not have any documents other than a copy of the check I received from my bank for the consolidation. I have now been turned over to debt collections and my credit report is showing a ding. I did call AES for a master promissory letter but does n't show anything about owing more money. I do n't know where to go from here, I called for pay off XX/XX/XXXX and sent a check knowing that I paid them off. Please help me in my dilemma. Thank you

Company response to consumer: Closed with explanation