vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: PA

Complaint narrative:
In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: Progressive Financial Services, Inc.
State: LA

Complaint narrative:
I have an account listed on my credit report from Progressive Financial Services stating I owe a debt. I contacted this company stating the debt was not mine however it is still listed on my credit reports. They also sent me what was suppose to be debt validation info which was merely copies of info retrieved from unknown sources. The company must be willing and able to produce a document from their files that proves the account in dispute belong to me and the information being reported is accurate. Someone in their company must authenticate the documents in their files that were used to " verify '' the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account. I have tried to resolve this with the collection agency and have been unsuccessful. 
Thank You

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 2016-06-23 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: WI

Complaint narrative:
I am the XXXX for my son 's SSI benefits via the Direct Express debit card. On XXXX XXXX I tried to withdraw $ and had a {$0.00} balance. His deposits are on the XXXX of every month, XXXX was no exception, that '' s verified. The transactions were made XXXX ( I live XXXX ) with a cloned card according to the XXXX XXXX fraud department. ( where the major transactions were made ), I filed a police report locally as instructed and filed Direct Express fraud packet. They say they have received it, but it will take XXXX90 days to review. ONE phone call could clear up any issue that I had anything to do with this! NO REFUND..I 'm about to be evicted! ANYONE you talk to on the phone gives you the runaround! I see after doing some research, MANY people experienced the same thing! In XXXX or previously! Something is being breached within that company! Too many people with the exact same story ... .and no $ returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC
State: PA

Complaint narrative:
Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK
State: MD

Complaint narrative:
Back in XXXX XXXX I lost my job due to the economic turn-down. I was unemployed for six months during this time and did not have the ability to pay my rent. During this time I applied for a mortgage modification ( please bear in mind I bought my house in XXXX of XXXX and was financed through First Horizon XXXX XXXX at an interest rate of 7 % ). In XXXX XXXX I was employed XXXX, XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX two things occurred, 1 ) I was approved for the loan modification and 2 ) I was XXXX to XXXX. By the time I returned my loan was sold to XXXX Mortgage. I just learned from XXXX XXXX Mortgage that my mortgage was reset forward to XXXX. In other words it appears that I have only had my home for six years when in fact I 've had it for 15 years. First Horizon took my money, nine years of it, approximately {$120000.00}. I want the credit for all 15 years that I 've been paying mortgage. How gives an entity almost {$120000.00} just for the XXXX of it? It is n't fair and I need some assistance with getting it. Also, this is a VA Home as I am a XXXX XXXX Veteran. 
All that you can do to help me would be greatly appreciated. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted a case ( XXXX ) concerning fraudulent information on my credit file with Experian. Experian responded and was very helpful in helping me fix and permanently correct these numerous issues. On Saturday morning, XX/XX/XXXX I noticed that one of the accounts had resurfaced and is reporting again on my credit file. I tried to all the fraud department but they were unfortunately closed. So, I figured since Experian was so helpful via this venue in the past, it would make more sense to go back through the CFPB portal. To date, everything appears to finally be accurate with the exception of the following account : XXXX XXXX - Acct : XXXX, Date opened : XX/XX/XXXX, Balance : {$7000.00} I am attaching the response letter I received form Experian confirming that this along with several other accounts were in fact deleted to better help expedite this process. I am also attaching my previous drivers license as well as my now new " temporary '' license that reflects my new and current address. I am attaching both to help confirm my identity especially since it takes up to two weeks to receive the " hard '' version of this state 's drivers license. 
Thank you for your help with this matter. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Comerica
State: OH

Complaint narrative:
Hello I have social security XXXX I 'm a XXXX veteran, social security deals with XXXX XXXX card through comerica bank, money is direct deposited. Money has disappeared from account several times have filed XXXX disputes and have over 12 hours on phone with banks employees. I have several lies on recording they told me I was hacked. I 'm missing over XXXX dollars now on XXXX Friday my account was drained I called and made them aware it was n't me and comerica bank supervisor said I had to wait and let it be stolen then file a dispute. Another employee stated that the manager was to lazy to stop payment. The bank refuses to send me statements from day one. They refuse to allow me to file a dispute. The internet says that comerica bank was hacked and wo n't tell costumers. This is an inside job as every card they issue me is stole from before I even use it. They have put XXXX dollars back on my card and want me to go away. I want a full investigation into my account and the bank they are responsible for my money being stolen and refuse to help me. This is grand larceny and committed over several states so FBI matter also, I live in Ohio card was used all over united states on XXXX Friday. While on the phone with company my money was stolen. If I close account and switch banks I will never recover money they will only talk to costumers. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ATG Credit, LLC
State: IL

Complaint narrative:
This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?

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: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TFC Group, LLC
State: CA

Complaint narrative:
I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these 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 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC
State: NJ

Complaint narrative:
I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 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: Stellar Recovery, Inc.
State: OR

Complaint narrative:
This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
I was insured by state of MI insurance from an injury ( personal ) but the collections company keeps mailing out notices on a debt I do n't owe and it was supposed to be paid by the insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Metropolitan Bureau of Collections, Inc.
State: CA

Complaint narrative:
I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ID

Complaint narrative:
I purchased a Money Gram money order from my bank on XX/XX/2017, and sent it to XXXX TX that same day. The XXXX it made it to XXXX, but has been in transit and delayed ever since. I have been tracking it multiple times a day. I have been in contact with XXXX different post offices in that area. The lady that was to receive the money order from me has went to the post offices every day for the last 4 days and has opened a claim on the missing mail. I have been in contact with Money Gram headquarters to see what my options are. They told me that it has to be missing for XXXX weeks before I can submit a claim for a refund. In the meantime if someone fraudulently cashes the money order, I am out the XXXX. The also told me that it would take them minimum 20 days from the time they receive the claim to process the refund, if they decide to give me a refund at all. They also told me that once the claim has been submitted, and someone fraudulently cashes the money order during this time, I am out the XXXX. How are these people in business with no FDIC insurance or any sort of insurance?? They also told me that they would not put any hold or stop payment on the money order so that it can be cashed at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015. 

Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.

Company response to consumer: Closed with explanation