vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
I took a mortgage loan from East West Bank back in XXXX XXXX when I purchased my house. Purchase price was {>= $1,000,000} and the loan was {$690000.00}. I was told by XXXX XXXX and XXXX branch manager the the rate was fixed for the first 5 years for 4.625 % and it would become adjustable ( 1 yr Treasury + XXXX ) begining XXXX XXXX XXXX but my rate remained at XXXX and now they are saying that my loan rate can not be lower than XXXX. I was never told or received any disclosures that there was a minimum rate. I was milsled by East West Bank representatives by both loan officer who does n't have a NMLS number and the branch manager

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 2016-05-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: KS

Complaint narrative:
Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. 
We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. 
Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. 
They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: CA

Complaint narrative:
Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract.

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 2015-05-12 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: LA

Complaint narrative:
a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: SLM CORPORATION
State: IL

Complaint narrative:
On Monday, XXXX XXXX, 2015, My next door neighbor received a voicemail message from a XXXX XXXX, Sallie Mae Student Loans, who left a phone number XXXX, ext. XXXX, asking my neighbor to contact me about someone I am related to, regarding time sensitive information she had for him. 
This is very disturbing and a clear violation of privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: PA

Complaint narrative:
5 calls within 6 hours ( from XXXX to XXXX ). I have snapshot of calls on my phone. This is my sisters debt that I cosigned via Sallie Mae for school loans. They know I am not primary. She did not receive any calls today. She has scheduled automatic monthly payments with them that come out on XX/XX/XXXX ( today is XX/XX/XXXX ). 
XXXX XXXX is the number that called and XXXX was the name given on the voicemail. 
As a night shift worker who sleeps during the day these calls were extremely disruptive and I am quite annoyed that despite numerous communications via my sister and I they continue to 'prematurely ' harass me for a payment that is not even due yet. Hopefully this complaint helps rectify that. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: TN

Complaint narrative:
My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 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:
Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: NJ

Complaint narrative:
Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.

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 2016-09-20 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: NY

Complaint narrative:
I graduated from XXXX XXXX University in XXXX 2016. I was told that I would start paying my loan six months after graduation. However, Sallie Mae made a mistake with my account and now it appears that I have a late payment with fees. I was not aware of this and when I tried to speak with a representative, they blamed the University. This is not an isolated incident. They also made a mistake with my sister 's account, last week. My issue is that they should have a record of my loan disbursement which would show my enrollment in school for the XX/XX/XXXX 2016. I feel as though they purposely make mistakes in order to charge extra fees. This is not right and I should n't have to pay for their mistakes. This affects my credit score. How do I proceed from here?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Credit & Collection, Inc.
State: PA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SLM CORPORATION
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am recieving threatening documents from midland funding to garnish my pay checks for a debt that is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full. 

Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. 
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. 
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. 
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. 
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. 
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. 
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.

Company response to consumer: Closed with explanation