vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
They do not have an email option or portal that functions to provide information and get verification. 

Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. 

They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 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: NJ

Complaint narrative:
I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is 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 2015-03-30 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: WA

Complaint narrative:
I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
Consumer Portfolio Services called my office again ... 
I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. 
I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: NC

Complaint narrative:
I had gotten XXXX student loans through Sallie Mae, the XXXX was a loan that would not require any payment till I was out of school. The XXXX I had applied for, to my understanding, would be the same as the XXXX. Come to find out a month and a half later I was behind on a payment of XXXX dollars. No big deal, but it was never explained clearly that I would have to make those payments while I was still in school. The six months then passed since I was out of school and I was to start making the payments on my loans, it was about XXXX dollars a month for XXXX not bad that 's deal-able, a few months afterwards my payments pretty much doubled, and I have been struggling to keep my payments up to date and current ever since, all to save my credit so there would be no bad marks on it from falling behind on a student loan. It was starting to get difficult so I had called looking for help but came up empty handed. So I tried to just deal with it. Well the time had come where I had finally fallen behind and had been late on a payment, so I called looking for help again. Again I came up empty handed, they did n't want to talk to me and only offered a forbearance. I then became two months behind and had called, again only offering me forbearance. Three months behind due to financial problems, and still the only thing offered to me was forbearance. I was finally able to get caught up with no help from Sallie Mae, but shortly after I received a letter in the mail from them. This letter consisted of options that could be offered to me and that I could apply for to help me with the process of paying my loans back. I called to ask about these options and was denied again. they told me they had no idea what letter I was looking at because they had no record of sending anything to me, both me and my cosigner received the letter the same day. I called and complained to Sallie Mae demanding to know about these options but because I was caught up they could no longer offer me anything other than, you guessed it, forbearance. I then filed a complaint with the XXXX and the next day Sallie Mae called to get my side of the story. Today I received the follow up call from talking with Sallie Mae, they were to review my case and find out what they could do for me. Again they gave me the same run around of you 're loans are current we cant do anything the only thing we can offer is forbearance. I have called and asked and asked and all I get is sorry we ca n't help the only thing we can offer is forbearance. All I want is help, but they have done nothing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SLM CORPORATION
State: GA

Complaint narrative:
They call my cell first and then if I do n't answer they call my job. They have even called multiple times a day until 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 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: MIB Group, Inc.
State: CA

Complaint narrative:
The MIB member insurance bureau is subject to the FCRA under a credit-reporting auspice. They are a collective informational personal health collection agency used by the insurance companies to pool information. They have incorrect data about me, that used to be correct ( XXXX, for instance ) but they are unwilling to correct this despite my doctor 's notes and tests submitted. They wish to retain this patently incorrect information for 7 years. Their reevaluation process is laughable -- they contact the insurers and say " did you say what you said ''? And if the old information is confirmed to 'have happened ' that constitutes a reinvestigation in their minds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
After being denied credit due to collection accounts on my report, I ordered a copy and found an account from an agency I have never heard of called Quantum Collections. The amount is for {$730.00}. I have tried to contact this agency and I have received no response. Not only are they reporting a debt I do not owe and damaging my credit, they have not contacted me even once regarding this debt so that I could dispute its validity and get it removed from my credit history. I do not owe this agency any money and they have no right to be reporting this to the credit bureaus. I am shocked that a business would report negatively on someone without contacting them, especially given this is not my debt!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
I have received letters from credit & collection recovery services I have asked for verification of a debt but they can only provide me a bill. I never agreed to the charges and have requested proof that I agreed to them which they have not provided. Is there anything i can do or can some one send me a bill and put me into collections without proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NJ

Complaint narrative:
My husband and I took out a student loan with Sallie Mae at a 9.2 % interest rate for the maximum amount of years 10. We are supposed to pay them {$570.00} a month. We are in forbearance right now because we just ca n't afford the payments at the month and there is no other way to defer the payments. We are charged {$50.00} for a " forbearance fee ''. Each month we are charged {$370.00} just in interest while this account is in forbearance. This ca n't be right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
A notice of hearing has been filed to occur prior to an illegal attempt at foreclosure of a deed of trust " in the matter of a Deed of Trust executed in the original amount of {$90000.00} dated XX/XX/XXXX, recorded in Book XXXX, Page XXXX, XXXX XXXX XXXX '' by XXXX XXXX XXXX XXXX XXXX represented by " XXXX XXXX XXXX '', XXXX XXXX XXXX, XXXX, XXXX, XXXX. Details of the notice and the original deed identify XXXX ( XXXX ), FKA XXXX, as Trustee to the certificate-holders of the XXXX XXXX XXXX XXXX ( XXXX, XXXX ) ASSET-BACKED CERTIFICATES SERIES, XX/XX/XXXX-XX/XX/XXXX, also DBA a debt collector for XXXX XXXX XXXX, named Specialized Loan Servicing , LLC ( SLS ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX being named defendant in a Federal class action by XXXX states, is still in the process of disseminating funds and other loan modifications to it 's customers who were deemed by the United States Department of Justice to have been damaged. Court documents and the XXXX Attorney General XXXX XXXX, along with the other states are directly involved with monitoring and assuring compliance by the banks and loan servicers to satisfy the disbursement of funds and mortgage modifications as ordered by the DOJ to give relief to these borrowers. Information can be obtained at the XXXX Attorney General 's Office of Mortgage Settlement Oversight at their website XXXX Attachments will show a brief summary of what is being accomplished, and final appeals and final settlements and actions by the courts against XXXX have only recently been reached and loan modifications will continue for the remainder of XX/XX/XXXX into XX/XX/XXXX. In addition, a lien is held on this specific property by the State in the approximate amount of {$11000.00} in the form of a grant obtained by the XXXX Housing Finance Agency and is backed by Federal government money in order to prevent a foreclosure. Any enforcement of foreclosure on this property would directly nullify the agreements already in place and legally obtained by the State of XXXX, the United States Department of Justice, the XXXX Department of Justice, and would further violate and upset the settlement agreements afforded to and established for this individual as so ordered by the Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
My name is XXXX XXXX and I have been harrassed by Exter Finance for over 7 months of non paymnet and asked for more money over the phone againt my account after proven I never missed a payment but has in fact over paid on my account. All phone calls are recorded and their are managers stating I have overage amounts waiting on my account but each day they were calling like XXXX times a day an sending threatening documentation to repossess my vehicle which I told them was stressing me out they did not care. I have given them every fax from my bank showing over payment from bill pay an yet they do not update my account but continue to harass me. I would like this stop and my account reported to XXXX bureaus as always being in good standing as well as reflecting on my statements of over payment. I think I should also be compensated for there neglect to human negotiations an respect for me as they attracted my character and integrity. My payment is only XXXX ... I have alays over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: NM

Complaint narrative:
We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Veripro Solutions Inc.
State: NY

Complaint narrative:
The company that purchased my home equity load which was discharged through bankruptcy six years ago has contacted me and told me that my debt was satisfied through some government program and that they were sending documents to city register to remove the lien from my property. I had to sign some Dodd Frank form and forward it to them. I did that. This was back in the beginning of XXXX. Since then I have checking acris.nyc.gov website to see if the lien was removed but nothing happens. I have contacted the company numerous times and each time they are telling me that the paperwork has been submitted but nothing happens. I went down to the city department that handles the liens and they told me that it takes 5 weeks to process a record. It has been way longer and I am afraid that this is some kind of scam.

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 2016-07-28 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: Stellar Recovery, Inc.
State: PA

Complaint narrative:
Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.

Company response to consumer: Closed with explanation