vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica
State: NY

Complaint narrative:
Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 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: VA

Complaint narrative:
On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
I defaulted on repayment of a credit card through XXXX XXXX XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim XXXX XXXX is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.

Company response to consumer: Closed
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I had insurance at the time the appointment was made and I would like for XXXX to stop coming after me. Because I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under 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 2015-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
In XX/XX/XXXX Honda financial double posted my payment. Once they credited my account, I paid them again. I was promised everything was ok and I had nothing to worry about. Well, XXXX XXXX I received a call while I was sleep 3 days after XXXX. I was told my account was past due. I explained what happened and the lady kept telling me I owed the money. My bank gift involved. The lady was waiting on documents from them showing the payment went through my account. She said she never recovered it, so I had to send her screen shots of my account then she called me and said she needed the before and after balance. That to me was too personal and I was n't happy. Well, they sent my account to the credit b stating I was over 30 days past due. I was furious because my boyfriend is the cosigner. 
I kept calling the corporate office for the VP that sent the letters to the customers apologizing for the mistake but he never called back. Well, I finally spoke with a finance manager, he listened to the complaint and had someone call me a few days later. Well, after speaking with the manager that called me, he told me he would write off half of my monthly bill once I made my payment. I made my payment on XX/XX/XXXX because it was due XX/XX/XXXX. The manager followed up with me this past Tuesday and said the balance was being written off because he seen my payment. Today My boyfriend received a message to call back. I ended up calling and spoke with a lady named XXXX, she told me I was 7 days late. I am furious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Servatus Corporation
State: WA

Complaint narrative:
For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: VA

Complaint narrative:
Calls four times a day, EVERY day ( even Sundays ), with recording or just hangs up. Has not sent anything in writing. Calls cell phone, unknown how they got # because I do not give it out. Has called son 's cell phone and is also calling XXXX daughter 's cell phone. I have written a Cease & Desist letter requesting the constant barrage of calls to stop.

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 2016-01-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RMS-Recovery Management Services, Inc.
State: IL

Complaint narrative:
Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Integrity First Lending LLC
State: UT

Complaint narrative:
I got a rate quote from Integrity and it was pretty good compared to other companies, But through the process they said the market shifted and couldnt honor the rate.. it was the same day and the rate jumped from 3.875 to 4.25? on their site it shows rates but they havent been updated since XX/XX/2017 I have a feeling they do alot of bait and switch XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: The Law Offices of Gerald E Moore & Associates, PC
State: CA

Complaint narrative:
The apartment complex I lived at claimed that I owe them rent payment for the new tenant, who was moving into my old apartment, because the new tenant decided to move in two weeks later than the original move-in date. 

I had told the management several times my lease is up, and I am no longer liable for when the new tenant decides to move in. However, the management and corporate office of the apartment complex continue to argue that I am liable because I am not off the lease until the new tenant physically move in. 

Nonsense! My lease expired, so do not try to make me pay for something that has nothing to do with me. Yet, the corporate office continues to sent harassment letters for 1.5 year-after I have ask them to stop in writing. 

Then they sent false information about me owing them money, along with my personal information like addresses, ss #, telephone, etc ... to XXXX collection agencies, XXXX of which claims to be a law firm. However, the " law firm '' I called had no lawyers there, and there was no working email addresses. The manager I spoke to gave me to wrong email addresses-sketchy. 

Furthermore, the " law firm, '' and the manager at the " law firm '' I spoke to sent me a letter threatened to collect and get a judgment against me. I kept telling him I do not owe any money, and you have no proof I owe the apartment complex any money so why are you still harassing, threatening, and bothering me? 

The man would not answer, would not let me speak to an attorney there because there is none. This business have had many complaints online, and even a lawsuit I found against them for misrepresentation of information, acting or holding themselves out to be attorneys when they are not, and their way of disputing the debt is by not listening, and continuing to say, " we 're going to go ahead and collect. any information will be used against you, etc ... '' I do not owe any money, and you do not have any evidence I owe any rent money so you need to stop, leave me alone, close my account, and end all contacts with me! 

How is this business able to operate still? They uses false identities, claiming they are lawyers in the business of collecting debt when they are not, and not knowing what the law is but trying to scare me by saying it 's a federal violation. 

A federal violation for NOT owing debt to the apartment complex???? This " law office dba Gerald E. Moore and Associates, PC '' needs to be shut down, fined, be prosecuted, and face contempt of court. 

What false information they gathered about me they are doing to many others. These nonsense, harassment, and evil conduct need to stop immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.

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