vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC
State: SC

Complaint narrative:
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place. 

I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage. 

I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
I keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: PA

Complaint narrative:
I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.

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 2015-03-31 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 had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 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: CA

Complaint narrative:
I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.

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 2016-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: NM

Complaint narrative:
My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments 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 2016-08-13 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: CA

Complaint narrative:
SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: OH

Complaint narrative:
I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.

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 2016-11-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: NY

Complaint narrative:
I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.

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 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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: NM

Complaint narrative:
I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Med-1 Solutions, LLC
State: IL

Complaint narrative:
After repeated Calls with and without Voice Mail, after sending 2 Cease Communication letter they continue to call my Cell number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Consumer Financial Services
State: IL

Complaint narrative:
A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
This account was opened through a friend of a old friend it was made without me consent. That person was friends with someone at XXXX the person who opened this account use to live with me and used my info. To continue the contract after I cancelled it months after opening it.

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