vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Progressive Financial Services, Inc.
State: OK

Complaint narrative:
15 years ago I went to school when my wife and I had gotten married and we had our XXXX child. I decided to take a step further and a passion that I love and went to a place called XXXX XXXX which was a one-year course. The amount of money was for the course and I took XXXX Stafford Loans out along with the federal student loan for the college that I would have to repay after graduating. College was non-transferable to actual college credits and upon graduating found out the counselor was not doing their job and actually throwing away our resumes and never did job placement. I denied wanting to pay for the college because they did n't follow through with their end of the bargain which they told me they never had to find me a job. I accrued roughly about {$14000.00} worth the debt give or take. I will submit documents to you showing how much money I 've actually paid in. While I did not pay I went into default after going into default I tried to regain structure of the loan it 's been passed off to several different lenders and ended up in the Department of Education hands and they put it in the hands of progressive Financial Services. I paid on it for one year and got myself out of default and then I became ill and was not bringing in very much money at the time therefore I stopped paying on the loan. Times got hard and it caught up with me then became a garnishment and they take up to 26 % sometimes out of my check also income tax garnishment over the years this has created a serious financial hardship amongst our family while we struggled to make ends meet it put a lot of stress on the marriage. I am now in the process of a divorce with XXXX kids and no longer make it on the amount of money that I received for just myself with the deductions out of my check.

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 2016-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
They continue to call relatives when I have specifically told them not to contact relatives threatening them. They continue to call my work threatening me. I asked them for information sent via mail and have not received any paperwork.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Circleback Lending, Inc.(Closed)
State: TN

Complaint narrative:
I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.

Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Curtwright & Klein, LLC
State: KY

Complaint narrative:
Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: FL

Complaint narrative:
Social Security deposited funds into US Direct Express debit card account on XXXX/XXXX/2015 and the same day someone used a web access to perform a fraudulent " money transfer '' out of that account into another account. US Direct Express refuses to cooperate and tell us where our funds are, to whom they were transferred to and has locked us out of our account. We can not get any information to file a complaint with the local police, social security can not assist us and the debit card company is refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: FL

Complaint narrative:
We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: OH

Complaint narrative:
was denied credit and pulled a report, company did not make information available to me before reporting to my credit report. This is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. 


XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS 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 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN EQUITY MORTGAGE
State: WA

Complaint narrative:
American Equity Mortgage has accessed my credit report with out authorization. 
Re : XXXX Would like this inquiry removed from 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 2016-12-28 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: KY

Complaint narrative:
XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: STATE FARM BANK, FSB
State: AZ

Complaint narrative:
I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Sent letters and contact agencies to remove account, but no one responded. This account does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: MN

Complaint narrative:
I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.

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 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My name I XXXX I have leased two vehicles from Honda. On XX/XX/2016 the propriety tax was posted for both vehicles I paid both with the monthly lease payment XXXX did not recognize that and kept billing me for late fee and the payment I have already paid until XX/XX/2016 where I have paid four Paine to for each vehicles. I have been paying on time even I have paying the fee which are ases to me wrongly. I kept calling them and the ask me to pay and they informed me they have reported me to the credit bureau then when I check my credit score it dropped from 850 to 660. I call Honda finance on XX/XX/2016 XX/XX/2016 XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. They kept saying some one will call you they never did. 
Where should I go to solve this problem they ruined my credit score how could help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: IQOR US INC
State: MI

Complaint narrative:
Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.

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 2016-05-05 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.

Company response to consumer: Closed with explanation