vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 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: CT

Complaint narrative:
When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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: WA

Complaint narrative:
Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: TN

Complaint narrative:
I graduated college and my payments started at $ XXXX month with a 9.25 % interest rate. I have paid on time every month since, except one time when I paid 3 days after my due date due to my finances. I called a week ahead and spoke with a service rep who stated it was not an issue and that I would n't be late because of my grace period. Within 2 days, they called me and my grandparents 8 times in 1 day. I called and asked them why they were harassing me when I was n't even late and had spoken with their rep prior stating I 'd definitely have it paid within the week it was due. They said they call everyone at that rate and when I told them I was starting to have financial trouble because my payment is so high, they offered no help. I then asked about my interest rate because it had gone up to 9.625 % and they offered no help there as well. I told them I really wanted at least my interest rate lowered if both were n't possible so I could really start paying off my loan and they rudely told me I needed to pay more than the minimum due to make that happen. HOW CAN A PERSON OUT OF COLLEGE AFFORD MORE THAN {$800.00}? They are completely greedy and unreasonable. They will not lower my payment or my interest rate based on my income. I have called multiple times as I am going through financial difficulties and do n't want to default on my loans, but they are less than helpful. Im not calling saying I ca n't pay. I genuinely want to keep paying on my loan, but I do n't know how much longer I can afford this payment and I am afraid of defaulting and getting harassing phone calls everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank took away XXXX points that I earned as bonus to open a credit card with them, potentially worth {$500.00}, from my rewards points account without warning, and refused to reinstate or in any way compensate when I contacted them.

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 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Sallie Mae called XX/XX/2017 AND left a message three times in one day. I have three separate voicemails all from the same person all within four hours. The school the loan went to was XXXX University XXXX and I am a cosigner on the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising

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 2015-05-19 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: PA

Complaint narrative:
I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each 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 2016-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
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 as of XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
the car was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: OH

Complaint narrative:
My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Earnest Inc.
State: NJ

Complaint narrative:
I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: National Credit Systems,Inc.
State: WV

Complaint narrative:
Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CASHCALL, INC.
State: NJ

Complaint narrative:
They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.

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 explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: ACCESS GROUP INC.
State: FL

Complaint narrative:
I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: CT

Complaint narrative:
on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: AR

Complaint narrative:
I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: MD

Complaint narrative:
I have direct deposit put on my card weekly. I tried to log into my account on line and there was a block put on my card. I received an email and a text about the block and called to inquire and get the block released. I have called this company FIVE times and keep getting agents that speak very broken XXXX who make me go through answering security questions before telling me they have to transfer me to their " Fraud '' department. I am literally put on hold for 20 minutes at a time and go into a voicemail asking me to leave a message and I will receive a call back the next business day. This is totally UNACCEPTABLE. A small portion of my paycheck is direct deposited weekly and I can not believe I can not get immediate assistance and access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation