vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
XXXX weeks later, a repo man from XXXX XXXX XXXX shows up at the gym that I have been doing personal training at, and he watched the entire bootcamp workout. When I walked around to the front, he came to the front and approached me. He obviously found me on XXXX because he knew what I looked like, what time the boot camp started, and he approached me. He told me he was with Honda Finance, and I better give him the 2013 XXXX XXXX. He showed me papers from XXXX with a bulk of my personal information that could even be a result of Identity theft if someone choice to steal it or lose the paper work. He also stated out loud in front of customers, and other people affiliated with the gym that I was XXXX months past due and owed over {$1900.00} to them ( XXXX ). I told him XXXX knew where the car was, and He could not be with XXXX because his truck said XXXX XXXX XXXX. I told him he was not allowed in the gym, and would need to leave. He told me it was a public location, and I advised him he was not welcome there and do not come back. People come there to workout with memberships and he violated so many of my rights and privacy. When the owner started walking to the front, he started to leave. He told me he would wait outside for me. The car was not even at the gym because it was at the shop. He knew I would be there at XXXX to do the workout. Because he knew what I looked like, he decided to stalk me and the others in the gym. He claimed he was with Honda financial. All the paper work he had included my personal private information, which half of it he stated out loud, came from Honda financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Called 4 times to resolve the issue ... I 'm not denying that the info is mine. This is a case where I was in car accident in which I was not at fault. I have XXXX insurances and car insurance. While trying to contact the car insurance, I decided to strike up a payment plan that I could afford so that the claim would not end up on my credit report. The CSR from this place is incredibly intimidating and they refused to take the monies that I can afford right now. I got hung up on the 3rd call! They kept saying that I 'm refusing to pay but I 'm not! I 'm just paying what I can afford!! They asked me for the amounts of my personal bills and basically told me I can afford more than what I 'm offering. I was even advised to take out a loan because the loan people probably would work better than me than what they will do. I have every conversation recorded ( except the first ). I 'm upset because it 's not like I do n't want to resolve this but, apparently what I can do is n't good enough and therefore I was threatened that they will put this on my credit report. I spoke with the original creditors and they tried to help as much as they could but it 's out of their hands. ( ( We got to this point because the original creditors failed to put down my XXXX health insurances and they only filed XXXX which left with a balance ... I never received a bill but now I 'm stuck dealing with these rude collection people. )

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 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
I went to XXXX XXXX on XXXX/XXXX/2015, to get a root canal. The policy of this dentist office is to pay your bill in full before services are rendered. I signed a contract with the dental office and paid all monies due and requested in full. The dental office for some reason sent my account to a collection agency stating that I owe them {$420.00}. I do not owe them any money. They got all their money upfront. Somebody has made a mistake and I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I purchased a XX/XX/XXXX Honda Accord at the XXXX XX/XX/XXXX.The rate was high and my payment was {$400.00} a month when I had a good credit. I just found out that Honda was taken to court for charging higher interest rates to XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
See attached document for full story and facts. 
Additional document includes the XXXX extension contracts the first on for XXXX XXXX XXXX for 10 months in XXXX and the second on for XXXX XXXX XXXX for 23 months in XXXX and XXXX. Next are the XXXX original lease contracts for each car as stated above. I meant to have them in different order, but has been very hectic and stressful. I scanned at XXXX Library due to my movers stealing my brand new printer. I realize now I might like to provide additional docs for ledgers I discuss and advertisement mailed to me b XXXX XXXX for a set lower payment to purchase for 60 months then what quoted me for XXXX that only had an MSRP difference of a XXXX. XXXX attempted to defend in State Agency complaint in XXXX. I have copy that XXXX XXXX attempted to provide the State Agency that has actual advertisement cut off, when only showing body of letter portion. I will contact about how to provide that information further for your Agency. It was a lot to write about due to so many procedures I put in place that XXXX kept stopping. XXXX XXXX in XXXX AZ did n't think it was proper when hearing XXXX XXXX approved me with my daughter as cosigner for a new lease, but then refused financing to purchase my four year leased car instead. Therefore, XXXX XXXX in XXXX, AZ said we 'll get this done tonight or by tomorrow, but was stopped by XXXX XXXX and apparently the reason for the illegal taking of my car after failing to fax a payoff letter to XXXX Bank to purchase the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB
State: SC

Complaint narrative:
XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX/XXXX/2017 I returned XXXX items to the Walmart store at XXXX XXXX XXXX XXXX XXXX. The refunds were for {$1.00} ( on my Visa card ) and XXXX cents ( on Walmart mastercard ). The customer service clerk said the amounts would be returned to my Walmart mastercard and my Visa card. I have received my mastercard statement for the billing period ending XXXX/XXXX/2017 and there is no refund posted for XXXX cents. I called Walmart mastercard and the csr XXXX verified that is true. " XXXX '' said the refund would be posted on my NEXT statement. Why should it take more than one month for me to get this refund for merchandise I returned on XXXX/XXXX/17??? 
I also called my XXXX XXXX customer service today and " XXXX '' said no refund for {$1.00} has been posted to my account yet. The csr suggested I contact the merchant ( Walmart ) I called the toll free number for Walmart XXXX and the ONLY option given was a store locator. Since I 've tried before to call the so-called customer service dept of this walmart store -- in several fruitless attempts to find out when my " same day '' ( NOT ) toaster would be available for pickup & NEVER got to speak to a human being willing & /or able to answer my question -- I decided to not call the customer disservice department of the store. And of course walmart mastercard ca n't answer questions about refunds credited to another bank 's card. ( I asked ) So again I ask : why is it taking so long for a {$1.00} refund to post to my credit cards. Walmart got its merchandise back. Where 's my money??? Why does n't Walmart just issue cash refunds rather than making customers wait so long for refunds?

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 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
the lease with american honda finance was discharged by chapter XXXX on XXXX and they were reporting to XXXX correctly theu XXXX but on XXXX they removed the chapter XXXX discharge and started reporting current late or missed payments, i have disputed with XXXX but they only answer that american honda finance claims that they are reporting correctly and only america honda can make the change no matter what documents i provide such as the chapter XXXX discharge of american finance. i have sent letters to american honda and they never respond. i am in the process of purchasing a home and this is causing a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I was in a auto accident and I have a judgement against me. the law firm will not report the payments I am making to the credit bureau, so I can be shown as making the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has failed to investigate multiple queries coming from XXXX back. 
those queries comes from the follow dates:XXXX/XXXX/2015XXXX/XXXX/2015those queries has been already investigated and all I get its a generated statement rather than a explanation of the nature of the queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: WA

Complaint narrative:
When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed. 
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened. 
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt. 
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: OR

Complaint narrative:
After I had cancelled my XXXX, I returned my internet modem but XXXX XXXX is claiming that I never returned it and is rotating {$99.00} worth of debt between debt collectors. I had this issue resolved a few years ago and it fell off my credit report, now it is back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
WE HAVE A LOAN WITH A COMPANY CALLED LENDMARK FINACIAL. WE ARE CURRENTLY WORKING WITH A XXXX PERSON AS PART OF THE XXXX AND HE ADVISED US TO CONTACT YOU. WE GOT BEHIND ON A PAYMENT BECAUSE MY HUSBAND WAS GOING INTO THE VA HOSPITAL FOR XXXX AND ANOTHER COMPANY CALLED XXXX XXXX XXXX REPOSSED OUR TRUCK ILLEGALLY AND THE DLLR REGULATORS AT THE STATE OF MD HAD THEM RETURN IT BUT IN THE MEANTIME DEPENDING ON FAMILY TO GET AROUND WE BECAME BACK BEHIND WITH OUR PAYMENTS TO LENDMARK AND WAS WORKING WITH ANOTHER FINANCIAL READINESS PERSON THRU THE XXXX AND WE SIGNED THE ATTACHED FORM WITH THE UNDERSTANDING THAT AS LONG AS WE DIDNOT GO IN DEFAULT ON OUR PAYMENTS THAN THEY WOULD NOT PUT A JUDGEMENT AGAINST US. WE NOW OWE XXXX AND THEY NOW WANT ATTORNEY FEES IN THE AMOUNT OF XXXX. WE DO N'T OWE THEM THOSE FEES. WE ARE WITH FINACIAL READINESS TO ASSIST US WITH BILLS. WE ARE ON A FIXED INCOME. WE RECIVED LETTERS ATTACHED INDICTING OUR BALANCE WAS XXXX SO WE DIDNOT PAY THAN WE WOULD RECIVE A LETTER WITH A BALANCE DUE. WE GET THE IMPRESSION THAT SINCE THEY WOULD NOT NEGOIATE WITH OUR XXXX PERSON THAT WE WERE BEING SCAMMED. I RETURNED A CALL AND THEY NEGOIATED THE AMOUNT DOWN A XXXX DOLLARS AND THAN DENIED THEY DID IT. WE WILL FAXS YOU A COPY OF THE LETTERS INDICATING WE HAD A XXXX BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ). 
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check. 
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks. 
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
Old Debt they re opened. This account has been closed for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Stellar Recovery, Inc.
State: MD

Complaint narrative:
Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation