vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ATG Credit, LLC
State: AZ

Complaint narrative:
The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: VT

Complaint narrative:
I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
We requested just XXXX form Exeter Crop, but Exeter refused to proved us with XXXX form. We need the a XXXX so we can refinance at with lower rate with XXXX XXXX. Because we not happy with hight interest rate which is 14.7 % when have much lower interest rate with XXXX. We do have above average credit. A XXXX Form is a common request between companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Credit Services, LLC
State: MD

Complaint narrative:
Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I Have been working on my credit i have an closed account from years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.

Complaint narrative:
In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! 
In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: AR

Complaint narrative:
Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: OH

Complaint narrative:
Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Sad, but true! 
An ongoing issue for the past 8 months! 
Sofi is our new lender to refinance some private student loans. 
Referral incentive for the amount of {$300.00} has not been paid as promised months ago! 
Have documented emails from the management team with incorrect information and false hope! Numerous phone calls have been made, but no one even cares to resolve the situation. {$300.00} is not a lot of money, but false advertisement and terrible customer service makes us really upset! A copy of emails can be submitted upon request! 
Thank you! 
An Update : just spoke to XXXX XXXX, customer relationship consultant. 
She called me while I was about to submit this complaint. I did let her know and asked her what would have she done if she were in my shoes, and her response was to " let it go ''! 


The manager ( s ) keep having us wait with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: MN

Complaint narrative:
I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.

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 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AP

Complaint narrative:
My 2015 XXXX was paid off and sold on XXXX XXXX. On XXXX XXXX Honda Financial Services ( HFS ) sent a letter saying {$320.00} is still owed though no explanation was given for the payment shortage. Since then it has been impossible to get Honda to furnish me info in any way. Copies of my XXXX communications and the letter w/attachments I sent on XXXX XXXX are attached. To this date, XXXX XXXX, HFS has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: WA

Complaint narrative:
A XXXX ran a background check on me and you 're reporting that I 'm a registered XXXX. This is absolutely inaccurate and I want this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC
State: MD

Complaint narrative:
I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: TN

Complaint narrative:
I was sold a lemon. Battery keeps getting killed off. XXXX will not fix the issue claiming I do not drive the car enough. There is a more serious problem going on. This in addition to fuel system pressure issues caused by faulty design of gas flapper. Even carmax corporate is giving me XXXX and refuses to deal with the situation. Not to mention the car to loan value is XXXX. USED cars are being sold for more than they are worth, and multiple tv ads all seem to claim that this process is normal and that this is a average car price. BlueBook clearly indicates that this is fraud.Consumers are not made aware of blue book prices on these vehicles when making purchase.Additionally I am being consequented for being on XXXX and getting paid around the XXXX, not when they want to get paid.This is also common practice with XXXX and XXXX. Lender complains when they get paid after I do, and not before when funds are simply not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC
State: PA

Complaint narrative:
The debt collector called my mother 's best friend asking for myself or my mother XXXX the co-signer ) and identified that she was calling to collect a debt. The same debt collector left a voice mail on my mother in law 's phone ( she had no previous knowledge of my debt as the loans were taken out before I was married ). This voice mail said the name of the collection agency as well as that it was " an attempt to collect a debt ''. She also called my stepmother and told her the same thing- that she was calling to collect on my student loan debt, that she also was not aware of.

Company response to consumer: Closed
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I already filed a complaint and this is the answer I got from SLS. Exactly what I said they were doing. Forcing me into forclosure. I filed a dispute as well and this is their answer to the dispute. Do I have any help out there???????????? 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation