vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC
State: SD

Complaint narrative:
A medical bill was sold to a collections agency and they are charging over 45 % interest for one month on their first bill to me. 

My original bill was from an emergency room visit for my son who was in an ATV collision on XX/XX/XXXX. Payments were made monthly of what I could afford. The debt was sold to Credit Collections Bureau on XX/XX/XXXX. The bill I received from the Credit Collections Bureau stated that I had a balance principal of {$1200.00} and an interest charge of {$570.00} for the one month that they had the debt. My mother, spoke to the collections agency and offered to pay the bill of {$1200.00} and {$19.00} interest at 18 % of the principal for one month. They refused the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: IQOR US INC
State: IN

Complaint narrative:
This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Medical Revenue Services continues to report and confirm my disputes with the credit agencies that I owe a debt that has been settled. I have sent MRS and the credit agencies dispute letters along with proof I have paid these medical bills. MRS confirmed they had received a letter to cancel the collection from XXXX XXXX in XX/XX/XXXX, yet has not removed them. This has prevented me for four months now from obtaining a mortgage loan to purchase a home. I 've been forced to rent until I can get this matter resolved. I have called XXXX, MRS , and the credit agencies multiple times and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: IL

Complaint narrative:
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Michael Haynes & Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: IQOR US INC
State: CA

Complaint narrative:
I reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?

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 non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Apelles, LLC
State: LA

Complaint narrative:
The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 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: PA

Complaint narrative:
They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PREFERRED CREDIT INC
State: CO

Complaint narrative:
Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC
State: GA

Complaint narrative:
I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card.

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 2015-04-06 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: Monterey Financial Services LLC
State: WA

Complaint narrative:
I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANCORP

Complaint narrative:
I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.

Company response to consumer: Closed
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.

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 2016-03-06 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?

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 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.

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 2015-07-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.

Company response to consumer: Closed
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I am unable to make my payment until the middle of next month. When XXXX called me she said that I needed to pay now and that waiting until next month was unacceptable. We lost connection and she called me back and left a voicemail stating that we need to handle this like adults! Really, I called and tried to make arrangements as an adult to get an extension and this lady wants to tell me how to adult! In my opinion XXXX is very unprofessional and needs to have some training done on how to react to customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
i have no idea why this XXXX is on my credit report or who it 's from

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