vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: MI

Complaint narrative:
I receive government VA XXXX benefits that are loaded to a Direct Express debit card issued by Comerica Bank. I was recently incarcerated and my account was therefore locked. While incarcerated, my sister, who is my power of attorney, attempted to work with Direct Express to access my funds to cover my living expenses and they stated that they would not release the funds because I was in jail. In no contract or agreement anywhere online or in physical possession does it state that a beneficiary of VA XXXX benefits shall be rejected coverage while incarcerated, so that is my XXXX issue. 

I was released from XXXX XXXX jail on Tuesday, XX/XX/XXXX XXXX and immediately upon release, I contacted Direct Express at XXXX to unlock my account. They XXXX requested proof of release and I faxed the documentation to XXXX. I followed up on Wednesday, XX/XX/XXXX XXXX and Direct Express confirmed that they had the fax, but now they needed XXXX forms of picture identification. Since I currently have no money, I walked to a printing company and faxed XXXX forms of picture identification. I called again today ( XX/XX/XXXX XXXX ) to follow up and they said, " we do n't need XXXX forms of picture identification ; we only need the proof of release '' and much to my surprise, now they DO NOT have it and that it takes up to 6 business days to obtain the proof of release that I faxed on Tuesday, XX/XX/XXXX XXXX. I asked to speak to a supervisor and the person hung up on me. I called back, explained my situation again, asked to speak to a supervisor, was put on a long hold, and the same representative by the name of " XXXX '' stated that a supervisor is unable to speak to me until Direct Express receives my faxed proof of release, which could take up to 6 days. He hung up on me after I further questioned their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I have been attempting to pay this debt for years. Every time I spoke with XXXX XXXX they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
Company posted a XXXX derogatory comment on my credit report. I have tried resolving this for three years. The company will not respond so that it can be resolved. The only time actual communication occurred was on the phone and they wanted me to give them my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ATG Credit, LLC
State: SC

Complaint narrative:
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: IN

Complaint narrative:
Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to 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 2015-10-23 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: CA

Complaint narrative:
I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: Stellar Recovery, Inc.
State: WA

Complaint narrative:
Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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: FL

Complaint narrative:
I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to 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 2016-10-10 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: Stellar Recovery, Inc.
State: KY

Complaint narrative:
stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: VA

Complaint narrative:
XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. 

Again, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. 

Now receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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: Stellar Recovery, Inc.
State: VA

Complaint narrative:
I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns 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 2016-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: West Coast Servicing, Inc.
State: NY

Complaint narrative:
I have made my payments to West Coast Servicing on time and in the correct amount. West Coast Servicing has notified me that the terms of the loan have changed and that I have/had no say in the terms of the loan. The loan is not collateralized and West Coast Servicing has informed me they intend to foreclose. I have contacted them and asked for mitigation of the loan. They have not responded to me other than sending monthly statements which do not explain the charges. I have written to them offer a payoff amount and they have not responded to me. I would like to draw your attention to the fact that West Coast Servicing has not been compliant in the following ways : 1. The servicer must establish or make good faith efforts to establish live contact 2. The servicer must inform the borrower about the availability of loss mitigation options 3. The servicer must assign personnel ( which can be one or more persons ) XXXX to the delinquent borrower, or an authorized agent of the borrower, who will be available via telephone, immediately or in a " timely manner 4. The personnel assigned should be able to respond to the borrower 's inquiries and assist the borrower with available loss mitigation options 5. The servicer must enclose a separate page with the periodic statement or in a separate letter : including the date the borrower became delinquent 6. The servicer must include an account history covering the period since the account was last current or for the last six months, whichever is shorter, and showing for that period the amount past due from each billing cycle and the date on which any payment was credited as fully paid ; 7. If the borrower does provide any information that would be evaluated as part of a loss mitigation application, the provision of the information IS an application. 
8. the servicer must review the loss mitigation application to determine if it is complete. This must be done promptly after receipt of the application. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
A temporary job service named XXXX had a background company called First Advantage run a criminal background check on me. The company found an old charge that should have been expunged based upon the stipulation of my probation and that the charge is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: FL

Complaint narrative:
I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC
State: AL

Complaint narrative:
i keep calls from allied interstate saying i owe a student loan from XXXX yr ago. but the loan does not have my ss # on it. XXXX XXXX the person i spoke with stated that she looked on my credit and she would change the ss # to mine because it was a typo. i explained to her that i had paid my loan that i had. she stated that they were going to garnish my wages. i do n't know how they are going to do that when that is not my ss # .i am tired of these people calling and treating me. The school is no longer in business and the director was arrested on fraud charges.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Plus Inc
State: MD

Complaint narrative:
There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

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 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: IQOR US INC
State: OK

Complaint narrative:
I got a letter from AlliedInterstate today on behalf of XXXX XXXX XXXX on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since XXXX XXXX XXXX could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are LLC. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I received a call on XXXX/XXXX/2016 at XXXX indicating my payment was past due. Upon speaking with my credit union which traced my account we found thay the Honda financial system had been hacked and my name had been replaced with XXXX XXXX. I have no way of contacting Honda quickly other than by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.

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: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation