vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX applied for a mortgage on or about the year of XX/XX/XXXX. I applied for a mortgage amount approximately of {$100000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so Webster bank who originated this no income check subprime mortgage could verify I can afford it. Webster bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Webster Bank loan # XXXX on my Owner Occupied Property : XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Webster Bank NA are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Service, Inc (FL)
State: TX

Complaint narrative:
I received a letter from United Collection Service , Inc. dated XXXX XXXX, 2016. I replied by certified mail / return receipt disputing the entire debt and this letter was received and signed for by them on XXXX XXXX, 2016. I have not received any written communication from them since their receipt of my letter. But today the attempted to contact me by phone which they are not allowed to do as they have they received my written dispute letter and not responded to it.

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 — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: Account Control Technology, Inc.
State: WY

Complaint narrative:
XXXX University is charging me {$3000.00} after I withdrew from their program, never completed even XXXX course credit. I was told that I could easily withdraw from the program if it did not meet my needs without owing anything. I am paying on Student Loans that were dispersed to them to pay for the couple of months I was enrolled even though I was not participating and still they are wanting to collect this astronomical amount beyond what has already been paid.

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SLM CORPORATION
State: MD

Complaint narrative:
I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of 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 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Hello, I have a debt with Med-1 solutions and I have been deceived. I was told by my account respresentative on XXXX/XXXX/2015 that there were no derogatory remarks on my account at the present, but if I did not pay then there would be. I then asked the representative if I could make payments to the account in order to keep remarks off my credit. She stated that she could do that. So I made a payment of {$100.00} and have been doing so at the same time every month for for 5 months. Again, this was under the agreement that my account would stay in collections, but not be reported to my credit report. The original amount due was {$870.00} and it is now {$370.00}. Today XXXX/XXXX/2015, I decided to check my credit and I see that Med-1 Solutions has reported the debt to my credit report even though we had an agreement that they would not do so. I called Med-1 Solutions and was told that there was nothing they could do to remove it unless it was reported in error. I was also told that as long as the account still had a balance that it was eligible to go to collections at any time. This is where the problem comes in. I was NEVER told this. NEVER. Obviously I care about my credit. If I did not then I would not be making monthly payments to them. Had I been informed on XXXX/XXXX/2015 when I made my first payment that there was still a potential for this debt to be reported to my credit report then I would have figured out another way to get it paid faster. I am not sure what is at stake for the account representatives when they collect money from consumers, but I feel as if she was not forthcoming to the point of deceiving me to believe that my account would stay out of collections as long as I was paying every month. I understand that the company will not remove the mark on my credit unless it is made in error. However, I do feel as it was in error. I was lied to in order for someone to take a payment. Additionally, I have not received any communication, or an updated bill since I started paying on 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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We were transferred to Seterus from XXXX, Bank, we were told that {$3300.00} was past due, We paid that before the due date of XX/XX/XXXX. Seterus formed a escrow account that we did not have with XXXX nor with Seterus as we pay all out taxes and insurance ourselves. Seterus no5tified us that we still owed the XXXX after we paid it in XXXX installments XX/XX/XXXX. Due to bad / negative correspondence about Seterus we went ahead and sent another {$3300.00} by certified check to go against money not owed, but Seterus said we did, then starting in XX/XX/XXXX XXXX started collecting escrow as we had no choice but to pay as this was our new total monthly bill. we could not short pay nor were given any other option. escrow was calculated for 12 months to collect money owing. Seterus collected for over 18 months not the 12 and when questioned reimburse us {$2500.00}. but kept the {$3300.00}. this adds up to paying the {$3300.00}, 3 times. 
A complaint was filed and they justified it with us making the decision to pay the escrow amount that we did not have an option to. they did not point out in their letter in response to the complaint the we were never supposed to be escrowed for any amount. ever! we always paid our property taxes ourselves, the first payment cleared the debt, the second payment the put towards our principal? And the Escrow they kept I have no idea where that went? now I call and they are not available, they are closed at XXXX PST on a Wednesday? I can not call, letters create a cluster of confusion without resolution. 
please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: TX

Complaint narrative:
I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: NC

Complaint narrative:
I have been trying to get help with my student loan through Sallie Mae. I can pay my loan every month in full but I am living paycheck to paycheck. It is one of my highest payments each month and I have contacted them several time for assistance. They tell me I can go into forbearance but interest still accrues which will put me into even more debt on top of a {$150.00} payment every month that goes towards nothing. Recently, my interest rate was increased without notification and the only other way to lower it is to go on automatic draft. I do not have a problem with this but I like to pay my bills on certain dates and this will not work. I strongly believe they are being very dishonest with me and need help. I have no problem paying them but I have a problem that they will not help a loyal consumer get out of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: FL

Complaint narrative:
I have a Sallie Mae student loan, I had made my monthly payment on XXXX/XXXX/15 in full, {$130.00} and I requested a Forbearance at that time. I was told by XXXX in customer service that my Forbearance was indeed processed and I had nothing to worry about, as it was for ( 3 ) months. A few days later, I started receiving calls from Sallie Mae stating that my payment was past due for XXXX 2015. I called them and was told that There was never a forbearance placed on my account and that I would be going into collections if they did n't receive another payment for {$130.00}. I advised that I could n't afford another payment and that was why I asked on the last call. They took a financial stmt from me and said there was nothing that could be done. I called back on XXXX/XXXX/15 spoke to XXXX # XXXX and advised of all my prior calls and issues, he stated that he got permission from a supervisor to override the {$50.00} forbearance fee and process the forbearance through XXXX/XXXX/15 and if I wanted to request another XXXX, I 'd have to call back prior to that date and pay another {$50.00} to have it processed again. I called back that same day and spoke to XXXX to re-confirm that the forbearance was in effect, XXXX stated that it was and that he not only spoke to XXXX, but that he looked at my acct and it was showing there. Today is XXXX/XXXX/15, I started receiving calls from Sallie Mae stating that my acct was seriously past due and that I was headed to collections if they did n't receive a payment of {$270.00} before XXXX/XXXX/15. I called today and spoke to a supervisor # XXXX, she stated that none of the forbearance went through because I was past due in collections and had not paid the {$50.00}. I advised my entire situation and she said that there was nothing she could do and said for me to make the Min payment and come out of " collections, '' but I explained that was n't possible as I had trusted the Reps that I had spoken to at Sallie Mae and they mislead me to believe that my acct was in good standing in Forbearance. I am currently in an economic deferment with XXXX for my federal loans, and I advised that to the Supervisor. 
I do not know what to do and I have already paid off XXXX Sallie Mae loan last year, I have an impeccable credit report, am a single mother and do not want this to affect me negatively. 

Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: WI

Complaint narrative:
I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 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: MA

Complaint narrative:
I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC.
State: CT

Complaint narrative:
Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief