vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: RMS-Recovery Management Services, Inc.
State: IL

Complaint narrative:
I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest? 
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX. 
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Never had a student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
American Honda Finance via a Honda Dealer forced me into an auto loan contract at an exorbitant interest rate in XX/XX/2011. American Honda Finance along with the Honda Dealer discriminated against me based on my race, religion, color and national origin. The dealer promised me an interest rate of 5.99 % APR on my loan and took my down payment checks. But when I looked at the contract, the interest rate was 16.99 % APR. I refused to sign the contract and I wanted to back off but the finance manager told me that I can not back off as I have already gave the checks for down payment and if I back off now, I will lose the down payment amount and on top of that they will sue me for additional damages for backing off from the deal. I signed this contract under severe duress from this unscrupulous finance manager who threatened, intimidated and coerced me into signing this contract. He also told me, if I do n't sign this contract, he will call the police and have me arrested for theft. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I have no idea what did I do to deserve this treatment. I can not find appropriate words to describe the pain, humiliation, grief and suffering, American Honda Finance and the Honda Dealer inflicted on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STATE FARM BANK, FSB
State: WI

Complaint narrative:
My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
XXXX assured me that I have 10 days grace period from the XXXX to provide a payment or Honda Finance will have to start paperwork to remove vehicle. XXXX then informed me that he will be sending out paperwork to this agreement. XXXX also explained the payoff for the vehicle is {$9300.00} and at the {$200.00} dollars a month for 3 in years. I received the agreement in the mail approximately 5 days later. 
On XXXX XXXX, XXXX around XXXX I received a knock at the door stating that they were at my home to repossess my XXXX Honda XXXX. I told the male that they have picked up the wrong car because I have an agreement that states my payment is not due until XXXX XXXX, XXXX. The man looked over the agreement and said something is not right. He also had a lady with him that was very rude and nasty saying just get what you can out the car we are taking it now. My daughter items were in the car for her work as a cosmetologist and " personal paperwork '' for individuals I needed for employment while being rushed. The XXXX XXXX asked my neighbors to remove their car in order to retrieve the Honda XXXX this is embarrassing when I have paperwork that the car should have never been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: HI

Complaint narrative:
I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: IQOR US INC
State: VA

Complaint narrative:
For over a year, Representatives from Allied Interstate LLC ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a XXXX XXXX XXXX that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. Allied Interstate LLC representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a XXXX XXXX XXXX. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.

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 2016-04-24 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:
Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.

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 2016-10-29 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I had a 3 year lease with Honda Financial ; completed in XXXX XXXX. Every payment was paid in full on time ; never missed. 
Car was in accident the beginning of XXXX ; which turned into a " total loss '' Insurance Company sent Honda Financial insurance check beginning of XXXX. 
Honda assessed an {$1800.00} balance ; consisting of {$500.00} insurance deductible and " excess mileage '' In meantime, Honda Financial sent an " estimate '' - not a bill for breakdown of total. 
Honda began their calls with a demand of payment in full or my " they '' would report to credit bureau. I did not receive a bill yet, and when " Collector '' verified what the letter was to state ; was n't due yet. 
I have since sent {$500.00} for deductible and made arrangements to pay balance in XXXX installments ; ending XXXX XXXX. 
I continuously receive calls for payment 4 times a day, including today, Saturday. 
I have asked for " Caller '' to read the arrangement in the notes ; stop calling and asked for Supervisor. 
I am told not Supervisor is available, a request will be submitted on my behalf, I have been hung up on after repeating same request. 
In addition, each call begins with ... '' What is your DOB and address to verify we 're speaking with correct person '' - Meanwhile, this is an incoming call - who gives out information on incoming calls? 
I just want Honda Financial to stop calling multiple times a day. I did the right thing and made arrangements ( outside another issue that I do n't know why I am paying Honda for excess mileage on a totaled vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: IQOR US INC
State: TX

Complaint narrative:
I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.

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 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address in XXXX XXXX, California is not mine, I have never lived in that location.

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 2016-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: IQOR US INC
State: OK

Complaint narrative:
Allied Interstate is continuing to call my job and work, after I asked them 3 different times to stop calling my work. Collecting for XXXX. They 've had a HIGH turn over rate since I 've been dealing with them so I never get the same person for long. Every time I call to make a payment and my contact information is reviewed, and again yesterday XX/XX/XXXX and today XX/XX/XXXX they 're calling my job asking for me. 
Name of the school at the time of loan was XXXX University, at the time I did n't realize I was taking a private student loan.

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 2015-08-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Servatus Corporation
State: CA

Complaint narrative:
Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Plus Inc
State: GA

Complaint narrative:
CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
At XXXX XXXX XXXX XXXX, 2016 I sent a moneygram to someone in Florida for {$1300.00}. 
My contract says it would be delivered in 10 minutes. I specifically asked the Wal Mart worker if it would arrive in this amount of time due to the fact that it was to be used in a deadline situation. When the receiver tried to get the money he was first told that he could not use the identification he offered : his drivers liscence, a bank debit card in his name and a credit card in his name. They insisted that he use a social security card which he did not carry with him. He disputed their right to ask for his social security card and was told that MoneyGram required it, showing the statement to him on their rules for picking up the money. 
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Honda Financial Services is reporting to all three credit bureaus inaccurate information - showing 60 days - NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: IN

Complaint narrative:
On XXXX/XXXX/2015 I requested Debt Validation per Alliedinterstate email communication per website. On XXXX XXXX 2015 I received correspondence from XXXX XXXX attorney for Alliedinterstate. On XXXX XXXX per email from XXXX XXXX, " The account was placed with us on XXXX XXXX, 2015. We made our XXXX collection attempt on XXXX XXXX, 2015 at XXXX XXXX. We made XXXX ( XXXX ) additional calls on XXXX XXXX, 2015 and made XXXX ( XXXX ) final call on XXXX XXXX, 2015 at XXXX XXXX. We ceased the account and returned the account to the creditor. 

On XXXX/XXXX/2015 I sent notice to XXXX XXXX that I had obtained legal counsel XXXX XXXX. On XXXX/XXXX/2015 after receiving such notice XXXX XXXX continued to respond to email correspondence between I and him.

Company response to consumer: Closed with non-monetary relief