vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: NC

Complaint narrative:
My step-son, XXXX XXXX, and I were scammed by MOHELA Student Loan on XXXX XXXX, 2004. This is the 2nd complaint I 've filed with CFPB against MOHELA. The first complaint # XXXX is still pending. MOHELA used a deceptive and misleading Truth In Lending disclosure and XXXX page loan document. Proof that my step-son is not the only victim can be found by viewing this weblink, it 's a video of an investigative reporter interviewing another victim : XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX Seems that MOHELA is famous for adding interest charges to loans that they purchase from other lenders. Appears to be a " bait and switch '' scam. Shame on MOHELA for taking advantage of high school graduates with no borrowing experience and for snaring parents excited for their children to attend higher education but lacking funds to send them as co-signer on the deceptive loans. MOHELA does not make interest that loans accrue while students attend college clear and obvious so that a first time borrower/recent high school graduate and parent that 's excited for their child to attend higher education can see and understand interest that will accrue while the student is attending college. The weblink video is proof of multiple victims of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: PA

Complaint narrative:
The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I got this call telling me about a student loan, that is under investigation, while I 'm already paying my loans with an creditor that I 'm using. They would n't listen to my response to not to call, and keep on with their business.

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 2015-11-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Account Control Technology, Inc.
State: DE

Complaint narrative:
Illegal and Improper contact from third party debt collector.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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:
I have a loan with Sallie Mae that i signed with a cosigner to help me pay for college. I have never adjusted the original terms of the loan since I took it out, even though I make only {$20000.00} a year. I called to ask for lower monthly payments from the current {$340.00} a month that I pay. This amount is nearly 20 % of my monthly income and does not even include my XXXX other student loan payments. The other XXXX I have allowed me to be put on an income based repayment plan, but not Sallie Mae. ( Not to mention my Sallie Mae loan has an interest rate 3 % -4 % higher than any of my other loans ) I have been a good borrower in the 5 years since I left college yet they refuse to work with me. The only option they offer is deferment. Putting the loan on hold for 3 months while still collecting interest is not going to be a long term solution for me. Yes, they would love it if I kept putting my loan on deferment I 'm sure because it means more money in their pocket. They do n't care it does absolutely nothing to help the borrower. 

The lender is supposed to be serving the borrower, not the other way around. My experiences with this company have been nothing but awful. I would recommend anyone who needs a loan, student or otherwise, to get it anywhere else but Sallie Mae. I have never dealt with such a horrible company in my life. I call ahead of time to let them know I ca n't make the payment and they tell me that the collections department wont even speak to me until I let my loan payment go late. Once it goes late however, they have no problem harassing me 7 times a day. Then I call them back only to wait on hold for an hour and to be told that no changes will be made to my loan. 

I am now left in a position where I can continue to pay the loans and have nothing left over to try and improve my life ( like finishing the few classes I have left on my degree, or moving into my own apartment ) or I can destroy my credit while improving my situation, because the XXXX loan i have that takes up 20 % of my income refuses to help a proven good borrower. Learn from my experience and do yourself a favor. NEVER get a loan with Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: EAST WEST BANK
State: CA

Complaint narrative:
East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.

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
Consumer complaint received 2016-05-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: UT

Complaint narrative:
Salle May has been calling XXXX 8 times a day trying to collect payment on my sons student loan. Even after making a payment they continue to call non stop. I was told by them that the student loan is through a private insurer which happens to be Salle May and is not secured by the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have been consistently given false and misleading information/instructions from Seterus regarding my attempt at a loan modification over the past several months which has resulted in a potential foreclosure of my home, escalating late fees and severe emotional distress. I have literally spent the equivalent of DAYS on the phone with countless Seterus representatives. I need to waste time explaining the facts to them over and over while also being asked to submit the same documentation over and over again. Most recently, I followed the exact advice received from a Seterus representative on submitting my divorce decree as part of my modification packet. Following 8 months of review and further mistakes in handling of the documents by Seterus, I was informed by one of their supervisors that I should not have listened to their representatives 8 months previousand that the same documentation was required that I was told would not be required. Their pattern of blatant misrepresentation has caused me to lose sleep on most nights as I worry about whether I can stay in my home. I made all necessary trial payments for the modification and only waited to sign/execute the final papers last week when I learned of the newest swerve from Seterus. There is a foreclosure sale date of XXXX XXXX, 2016 and I am seeking immediate resolution in the form of the modification agreement that was originally agreed to. I have never formally complained about a company before in my entire life but I feel compelled to say that Seterus has by far the worst customer service I have ever experienced. They are either just inept or fraudulently malicious and I am shocked that regulators continue to allow them to be in business given the sheer number of others who obviously have had similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I was told by Account Control Technology, that they were contracted by XXXX XXXX XXXX to collect delinquent student loans. I was to pay XXXX for seven years and after that the rest of my student loan would be forgiven. They called it the forgiveness program. I 'm a XXXX Veteran and my wife and were trying to purchase a home, to discover the negative student loan on my credit report. I called the FSA they told me no money had been paid on my loan EVER! I 'm XXXX years old and I ca n't start over again. These people have robbed me of XXXX dollars that they deducted out of my account ( ACH ). Now I have no way of getting my money back, I ca n't afford an attorney and my wife and I may have to move because we are occupying the house we wished to purchase. The owners are wanting to sell ASAP. I 'm at a loss. Can you help 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 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Element Global Services
State: FL

Complaint narrative:
XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 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: MO

Complaint narrative:
On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation