vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 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: Nevada Credico, Inc.
State: TX

Complaint narrative:
We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.

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 2016-01-20 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: The Phoenix Recovery Group
State: IN

Complaint narrative:
I have a collection account that has a balance of over $ XXXX for an apartment that I vacated while attending college in XX/XX/XXXX-XX/XX/XXXX. The account balance I received from the apartment complex as of XXXX/XXXX/XXXX was {$2900.00}. The collection company reports the balance as over $ XXXX. I checked my credit report for the XXXX time ever in XX/XX/XXXX and saw that the collection company opened the account XX/XX/XXXX, but the balance was already at over $ XXXX. 

*Left the complex XX/XX/XXXX with a balance of {$2900.00} *XX/XX/XXXX- collection agency reports balance of over $ XXXX *Monthly rent was {$410.00} and another person did move into the room within 2 months of my departure. 


On XX/XX/XXXX, a letter of validation was sent to Phoenix Recovery via certified mail to validate the debt, as the amount is extremely high and I have not received anything from the apartment complex or any paperwork from Phoenix Recovery, stating additional charges were owed between XX/XX/XXXX and XX/XX/XXXX. The letter was also sent to all XXXX credit bureaus. Phoenix Recovery did not respond to the letter at all ; not even mailing a bill. Although, they did respond to the credit bureaus. None of the credit bureaus will remove the debt, even though Phoenix Recovery has not complied with the Fair Debt Collection Practices Act. The letter included my updated mailing address and phone number so there is no reason that Phoenix Recovery would be unable to contact me. 

I understand I have an obligation to pay for the balance of the debt plus applicable fees for the last few years, but the balance is extremely unreasonable and unjustifiable. I also can not pay a company that does not communicate with me. The validation letter is attached along with the pay or vacate notice with the balance due ( along with the dates ). I 've also attached the part of the credit report with the collection information on it. I appreciate any assistance in resolving this matter so I can satisfy my obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 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: AZ

Complaint narrative:
I was referred to Sally Mae to assist me with paying tuition. With my grandmother being a consigner I was approved right away. I have a total of four loans with Sally Mae. After graduating from college and trying to find employment Sally Mae started sending threatening letters and harassing phones call to me and my grandmother. They even went as far as calling my grandmothers place of employment harassing her. They are wanted almost {$1000.00} a month for payments. As I explained to them I was only making a certain amount an hour and it was impossible to pay what they were asking for. I agreed on my own to pay what I could and they stated " because it is not the amount we want we will still call you ''. I know it is against the law for them to call after I requested not to. However they continued. They said that they do not offer any Income Based Repayment Plans. Sally Mae has called my parents, my aunts and my siblings trying to get ahold of me. This is absurd. I am filing a formal complaint against Sally Mae for harassment. They do not care that I have to survive on my own and can not pay {$1000.00} a month for four loans. The economy is not the greatest and companies are not paying college grads enough money to even pay their bills. Sally Mae is a bully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
I have received at least XXXX phone calls in the last two weeks or three weeks from XXXX trying to collect on the debt for someone named XXXX. I have let them know several times that I am not this person and that he does not have this phone number. They have indicated that they will remove me from their list within 24 hours, but they continue to call me. I am tired of being harassed continually at all hours of the day and night for them trying to collect these debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 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: CONTRACT CALLERS INC
State: MI

Complaint narrative:
Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: SLM CORPORATION
State: NY

Complaint narrative:
After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
I have student loans with Sallie Mae. I am still in school and while I it has taken far longer than I ever hoped, I have never left school. I have taken a couple term breaks of a month or two, but have never stopped attending. Sallie Mae will not stop calling even when I upload documents, speak with customer service agents, refer them to the clearing house. They just keep calling and emailing demanding payment. When I speak with a customer service person they inform me the calls are automated and will not stop until I bring my account current. 

Why are they allowed to dog people none stop and will not accept emails, only uploaded forms or phone calls that they keep saying I my school info is not available to them? 

Surely there has to be some for of protection from this type of harassment. The stress is sending me crazy. do n't they think if I could have finished school and repaying my loans I would have? I need to help to get these dogs off my back so I can focus instead of the constant hounding for payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: MNE Services, Inc
State: NY

Complaint narrative:
A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. 

This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION ACC # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL 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 2015-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: LA

Complaint narrative:
They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : 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 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services
State: NC

Complaint narrative:
Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: MD

Complaint narrative:
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation