vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Consumer Asset Management (Texas)
State: NY

Complaint narrative:
Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The Law Offices of Gerald E Moore & Associates, PC
State: WA

Complaint narrative:
I am a XXXX at same time, so we are so busy. And this company/debt collection calling looking for someone who never been a part or employee at this place at any time. I told them to stop calling, this is a XXXX, and I can not entertain them because we are so busy. They still keep calling ... And I called them back and told them to stop harassment, the lady/operator said is not a harassment and they need to resolve theirs issues ... which I have no connections to.

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

Complaint narrative:
I am the victim of identity theft and became aware of that when my wife died in XXXX of XXXX. I filed the police report and I went to court when Banks claimed that maybe I used an alias. The process of this identity theft is ongoing and has not ceased even up till today. American Honda Finance loaned money for car back in XXXX and I found out about this at the end of XXXX. I told them back then that I was not in the country when that car was purchased. I provided proof of that to my attorney and they made that claim to XXXX along with the other things that did n't match my identity period American Honda Finance said that I did n't meet the burden and I 'm saying that they are lying and looking at information that did not come from me and they ca n't prove that I signed or was even in the country when that car was purchased. Please have them say what proof they have besides false documents and information that does n't match mine at all. 
The XXXX is aware that a license was obtained online fraudulently and they refused to give me a new license number because they did n't give it to the fraudulent person in person it was done online. And I have not lived in North Carolina since XXXX of XXXX XXXX years ago. My attorney submitted to American Honda Finance my social security card and my South Carolina license and yet those things are n't in the possession of American Honda Finance and yet they think they have a claim still. I asked very respectfully for them to prove to this entity what they think constitutes me being in two continents at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I applied for a position with XXXX XXXX XXXX ( XXXX ), I was offered a position. However, XXXX XXXX XXXX has hired First Advantage Background Credit Reporting Company to do my investigate. First Advantage ( FAVD ) reported that I had an outstanding Criminal Capias Warrant at XXXX County Clerk of Courts from XX/XX/XXXX. I contacted the court, the Criminal Civil Capias was not outstanding, this was not true. First Advantage has reported to my future employer that I have an outstanding warrant when I never did. Both cases with XXXX County were closed by the court. I have filed two disputes with First Advantage. I never received a copy of the investigate. I went ahead a satisfied the civil case judgement and the Capias Warrant was dismissed and the judgement satisfied. I forward the information to First Advantage, although have acknowledged receiving documents me, they still refused to update the report and notified the employer, that the capias has dismissed per XXXX XXXX and judgement has been satisfied. I spoke with XXXX XXXX and they are still interested in hiring, they are just waiting to the report from First Advantage. I was told by FAVD this can take up to 30 additional days for them to update there computer database. My original start date with XXXX was on XX/XX/XXXX. I filed the first disputed with FAVD on XX/XX/XXXX, my 2nd dispute with FAVD was opened on XX/XX/XXXX. As of XXXX FAVD still stated I had an outstanding warrant which is inaccurate. In addition, the warrant was dismissed on XX/XX/XXXX and judgement was closed on XX/XX/XXXX. FAVD is stopping me from being employed, damaging my character and reporting inaccurate information when they have the court pleadings. I am a single parent and I need this job. I do n't think XXXX is going to wait another month to hire me. They were hiring for open enrollment which starts on XX/XX/XXXX. They employer will not take any information from me since they hired FAVD. The employer wants the report to show that its dismissed or removed. But FAVD is his holding up my job. Even though they have all the supporting documents from the court. This does not seem to be fair. I have verified with XXXX County Clerk Court, XXXX Ohio verbally and on XXXX County Clerk Court database which is online : XXXX ( Case # XXXX ) It shows that Capias Warrant was dismissed and the Judgement was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

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 — Trouble with how payments are handled
Company: IQOR US INC
State: MN

Complaint narrative:
THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 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: TX

Complaint narrative:
I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: PA

Complaint narrative:
I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: AR

Complaint narrative:
Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: FL

Complaint narrative:
ALLIED INTERSTATE LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 ALLIED INTERSTATE LL 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 : ALLIED INTERSTATE LL 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, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: MS

Complaint narrative:
To All Allied Employees, This letter is to request that you Cease and Desist in calling back to back ALL day and night to the telephone numbers of XXXX XXXX ( XXXX ) and/or any third party contacts of relatives, neighbors, etc. in your efforts to collect a debt. You have been auto dialing the numbers back to back to XXXX XXXX 's cell phone and landline of resident, when someone answers, they get a hang up and the numbers are dialed back a few minutes later by numbers listed as XXXX XXXX XXXX XXXX when research in the Internet. The call are considered Robo Calls because there is no human person on the caller 's end when answered. This is strictly the callers intent to harass, annoy and intimidate. Listed below are the recorded calling numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX The majority of callsUnknown NumbersIf you fail to cease the harassing phone calls or harassing efforts immediately, you face legal sanctions under applicable State and Federal law. If these calls are an attempt to collect a debt, I only deal with the original creditors, who have received certified mail that contact be written correspondence only. I have had no income since XXXX, 2014 in which ALL of my creditors were informed, I 'm Judgement Proof ( reason for the repeated harassing phone calls. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 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: Nations Recovery Center
State: NY

Complaint narrative:
A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Roycroft Management
State: TX

Complaint narrative:
Central Mediation Service call from another phone number XXXX XXXX XXXX and leave a different number. When I called and asked them why they would threaten my wives family and call friends and family they said it was n't them and they hire that out but would not give me any information. They have called my wives family and threatened my wife through her family. Then that number calls my wives phone and asked what she wanted she game me the phone and asked what I wanted I said you called me what do you want then he hung up. When I call and ask for an address they hang up. I have called them about XXXX times the last XXXX have been just to ask for address, Now they just hang up without saying anything. They said their client was XXXX and I called them and they said they did n't have the loan and they sold the loan in XXXX of 2015 to a company that is not the same as the XXXX with all the threats. The company that XXXX sold it to wont call me back so I can ask them about it. Central Mediation Service makes it sound like my wife will be arrest. Oh and we have never got one thing from them in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: VA

Complaint narrative:
Allied Interstate LLC is attempting to collect a claimed debt of {$80.00} on behalf of XXXX XXXX. I have never been contacted by XXXX XXXX XXXX in any way. I have a copy of my Vacate Receipt from XXXX XXXX XXXX showing a zero balance. I have rented this space for many years while out of the country and have always paid on time with auto-pay.

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 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: CA

Complaint narrative:
On or about XXXX XXXX 2015 I ordered a refurbished Heavy Duty XXXX wheelchair from XXXX of XXXX Florida. I paid the company {$2200.00} electronically using my debit card. 

The chair sent to me was neither identified as a Heavy Duty model, nor were there any shipping tags or bill of lading, and the chair did not operate properly. 

After a volley of nearly XXXX, at times heated, emails, the CEO of the company offered to send me a NEW Heavy Duty model, as well as to refund my payment, and allowing me to keep the old chair which remains inoperable. The chair was delivered and operates, though in a very disappointing manner. Again, no shipping label or bill of lading was included with this replacement chair, that identified it as an HD model ... 

Now XXXX is apparently NOW attempting to collect for the new HD chair, though XXXX CEO promised it because of the deficiency of the chair that had originally been delivered. 

XXXX has never sent me a bill or any other written communication regarding this claim -- they did n't even bother to send a shipping tag/bill of lading until two weeks ago ... which I suspect they just dummied up because they had not sent it originally ... 

XXXX is using a firm called ALLIED INTERSTATE, which apparently is a subsidiary of an XXXX firm called XXXX, which firm has contacted me, asking for my social security number and to verify my name ... 

I owe XXXX nothing, based on the promises of their CEO, despite threats from a customer service representative ... 

I believe XXXX is operating in Florida illegally by not including proper labeling of purchased items, proper delivery information, and some sort of serialization of their products ... 

I was also suspicious when they offered to give me the new chair AND repay my payment to them, as well as to keep the old chair in response to my complaints about the old chair ... 

I want the harassing calls from this XXXX importer and debt collector to cease for a debt that is not owed by me ... 

Thank you for your help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC
State: TX

Complaint narrative:
It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.

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