vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I spoke with a young lady on XXXX/XXXX/2016 I believe from this company..she informed me of the balance owed. I advised her I did not want to get any calls from their agency. She then had an attitude and demanded payment. I asked again for no more calls and disconnected the call. 
I receive another call on XXXX/XXXX/2016. I was not able to answer. I called them back XXXX/XXXX/2016 at XXXX and let the agent know I previously requested not to be called. He said he is going to mark my account as a refusal to pay ( misleading ). I said I am not refusing to pay, I just do n't want any calls. He said they can stop the calls. 
I called again and spoke with XXXX on XXXX/XXXX/2016 at XXXX to get the company info and my account number. I asked him for their company website. He did not want to provide it to me. He kept asking why I needed it. I said I wanted their company info and a place to make my payment. He said I can only pay over the phone with a card or check. I stated I still wanted the site. He provided https : //halstedfinancial.com/ I said thank you and disconnected the call. 
Their site does allow for online payments, therefore agent was misleading and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC
State: SD

Complaint narrative:
Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: College Assist
State: VA

Complaint narrative:
College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.

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 2016-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.

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 2016-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: WI

Complaint narrative:
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: NC

Complaint narrative:
Moved and received new phone number and debt collection is a nuisance

Company response to consumer: Closed
Consumer complaint received 2015-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC
State: UT

Complaint narrative:
Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have had a line of credit with specialized loan servicing for many years and have never had any issues and have always paid on time. I was offered a modification with them several years ago after the XXXX shock and agreed to it. The mod is fixed 4 % interest only for the remainder of life of the line of credit. Two months ago I noticed that the payment increased and discovered their system of record reflects 4.25 % instead of the 4 %. Several calls in the last six weeks while waiting on a research ticket to be resolved to remedy this situation has gone ignored. Their executive office halted the continued montly ACH from my savings account and now I am having to call in payments due to non-corrective action on their part. According to the executive office, they do not know why their computer is not correcting the rate back to 4 %. We are making ( estimated ) payments now based on previous years payments based on the respective month. The fact that a mortgage servicing company can not explain, nor correct something as critical as the interest rate is egregious. Please help 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 explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
On XXXX/XXXX/15 a wire in the amount of {$60000.00} was wired to Specialized Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO in error. A second wire in the amount of {$16000.00} was also transferred to them, which was not in error, this wire paid off a valid account. SLS called on XXXX stating the wire was received by mistake and said they would return it. They did not. My bank recalled the wire on XXXX and XXXX. They have still not returned the money and refuse to speak with anyone about the account. An associate with XXXX Bank has authorization to speak with them but they are still refusing to acknowledge the situation. They are unlawfully holding {$69000.00} that does not belong to them. I need help getting this resolved ASAP. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Goldstein, Cruise and Smith LLC
State: OH

Complaint narrative:
I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: GA

Complaint narrative:
I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I purchased a car from XXXX where they up charged me on the interest rate. I fell behind in my note due to a legal situation where my mother was overdosed causing her to die and I ended up with funeral expenses as well as inherited debt. As of today my car has been reposes and Honda would n't offer me a payment plan. But only a pay off amount of XXXX. I just recently settled my mother 's medical malpractice case and have a check that I am waiting to clear. I asked could they give me 10 days for the check to clear and they wo n't even allow that. Here it is I 'm trying to pay my car off and be done with them so they can be done with me. Only after over charging me for a car and giving me way less than what should have been given on a trade in with less than XXXX miles and XXXX driver in perfect condition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX was repossessed by Honda Financial Services on or around XXXX XXXX or XXXX. As soon as vehicle was recovered, I contacted the company to try to obtain vehicle back. The customer agent advised me of the payment amount due and when it needed to be paid. The amount need to be paid was {$3700.00} and need to be paid by XXXX XXXX according to the customer service agent in the recovery department. I obtained a check from my financial institution and had it sent via overnight delivery on XXXX XXXX, 2016. After following up with the company on XXXX XXXX, the company vehicle disclosed that they would send the release forms to the company XXXX XXXX located in XXXX, TX the same day, so I could arrange for pickup of my vehicle the following week. Monday XXXX XXXX, I contacted XXXX XXXX and told that they received my documentation but my vehicle was transferred to Auction on XXXX XXXX according to XXXX at XXXX XXXX, her number is XXXX. I contacted Honda Financial Services again because I could n't understand why they would arrange a payment and then send the vehicle to auction before the agreed upon date. I was also told by the agent XXXX and XXXX that I actually had until XXXX XXXX to pay the fee to recover the vehicle. my vehicle is currently still at the auction location and I am trying to work out a time to retrieve my vehicle. All of my personal possessions have been removed from my vehicle and I was never provided any notice about any of these proceedings or what I could do to remedy this situation. I am also a servicemember with protection under the Servicemember Civil Relief Act, I served for 12 years, but recently separated in XXXX to move into the XXXX Component. I know there are laws to protect servicemembers, but my biggest issues revolved around not being able to recover my personal belonging and remitting a payment for a vehicle that was sent to auction after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: IQOR US INC
State: FL

Complaint narrative:
I made a payment agreement around XXXX 2014 with Allied Interstate about a non-federal private student loan that I am in default. Last month due to hardship I requested a month off payments. After that period they started attempting to call me. I requested not to be called since they always interrupt me while working. They debited my bank account already, thus resuming payments, yet they continue to call non-stop demanding to give me an update. Now they are harassing my domestic partner by phone XXXX XXXX asking her personal questions about our relationship. They have no reason to call since payments are being currently made. I do not wish to talk to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. 

On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. 

XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. 

XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. 

I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.

Company response to consumer: Closed with non-monetary relief