vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: NC

Complaint narrative:
XXXX was very unhelpful in my situation. I knew I was 90 days behind and still making payments. But they showed up to repossess my Impala on the basis that I was XXXX delinquent. When I looked at XXXX of my statements, I had sent them a check for {$430.00}. Instead of applying this {$430.00} to the auto loan like they have every time before, they put it into a savings account that was opened when I took out a loan with them. I 'm under the impression that they received my payment, but they put it in the wrong place, giving the illusion I was 120 days behind rather than XXXX. 
When I spoke to someone at XXXX, they said " that happens sometimes. '' So they show up at my job 45 minutes away from home to take my car. I call them, and at first the deal was to make the loan current, and I could get take the car back. 

The next day however after taking take the car, they instead tell me in order to get it back, I have to pay off the full balance of {$26000.00} within 30 days. I did n't understand how we went from {$2000.00} ton {$26000.00} in XXXX hours. And they never bothered to work with 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 2015-07-30 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: ProCollect, Inc.
State: GA

Complaint narrative:
In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: WA

Complaint narrative:
I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. 
I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! 
Do n't know how many other people, they did the same thing to?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have an outstanding medical bill I was completely unaware of. I relocated cities and never received this bill or else I would have paid it immediately. I ran my credit on XXXX XXXX yesterday and was shocked to see I had an outstanding debt. Please let me know how I can resolve this issue ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: M&S Recovery Solutions
State: DC

Complaint narrative:
M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine.

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 2017-01-12 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I am disputing inaccurate information found on my report for the following errors, there is an error showing me with a criminal history with a previous arrest record. I have never experienced this situation and also I am a victim of stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: IQOR US INC
State: NY

Complaint narrative:
I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.

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 2015-08-27 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:
I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
American Honda Financial replied to the initial complaint with nothing but lies. The only thing that matches their records is my name my social security number and my date of birth. That 's the information that was stolen from my identity over 20 years ago and that 's been proven by the police and the courts. I defy American Honda Financial to give you any truthful documents to show the that car was bought at the address I 've been living in since XXXX or that it was bought by myself while I was out of the country from XXXX of XXXX until XXXX of XXXX. I would like them to show you with documents that they are nothing but liars and full of XXXX because they can not prove anything else except those items that were stolen from me over 20 years ago. The North Carolina Department of Motor Vehicles is aware that somebody obtain the license back in XXXX from online with my information and when I asked them to give me a new drivers license they said since it was done online they would not give me a new driver 's license number. The next year in XXXX on move to South Carolina and have lived here ever since. American Honda Financial comes back with a short response but nothing but lies because nothing they said can be proven by them outside of those XXXX items I 've already told you that were stolen from me. I want them to reply to each and every XXXX of these claims they do not have my correct work information they do not have my correct address that the car was bought with and they do not have personal information outside of mine that would have been used to identify the account. So I please request American Honda Financial to give you the documents they claim are real and I can show that none of the information they provide his true or real pertaining to me individually only through a stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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: CA

Complaint narrative:
This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I received a copy of my background check to a job i just applied for ... Its stating on there that I am ineligible on the STATEWIDE Criminal XXXX, XXXX, XXXX XXXX : TEXAS DEPARTMENT OF PUBLIC SAFTEYLOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' THIS IS NOT ME I HAVE NEVER LIVED IN XXXX, OR HAD A XXXX ECSPECIALLY XXXX OR MORE, I HAVE NEVER BEEN CONVICTED AND I WAS LIVING IN XXXX AT THE TIME IN XXXX RUNNING THE XXXX AT XXXX XXXX IN XXXX XXXX I DID NOT LEAVE THERE AND COME TO XXXX UNTIL XXXX OR AFTER WHEN THE XXXX HIT.. I DO NOT HAVE A MIDDLE NAME ... AND NEVER HEARD OF A XXXX. I NEED THIS REMOVED DUE TO THE POINT IT IS CAUSING ME NOT TO GET HIRED. I NEVER GO TO XXXX, MAYBE XXXX BUT NOT XXXX. 

WHAT PICTURE IS ON FILE FOR THIS CONVICTION? 
WHO IS XXXX? 
HOW CAN I REMOVE THIS? 

PLEASE HELP WITH THIS MATTERCASE # XXXX XXXX XXXXXXXX XXXX : XXXX : XXXX : XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was approved for XXXX, XXXX Hospital was notified of approval but failed to submit bill. The mailing address that was on file for me was incorrect therefore I never received bill. I assumed all was paid by XXXX. My credit report was ordered with hopes on becoming a homeowner is how I found medical bill in collection. I contacted collect agency and XXXX Hospital. The collection agency stated amount not paid, I contacted hospital and was told XXXX paid full amount.

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 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I have never heard of this nor received any bill. Evidently this is the wrong account.

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 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand 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 : ADVANCED COLLECTION 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 XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate collections agency has been calling my husband and I multiple times a day for weeks, never leaving a message for the reason they were calling. The woman that has been calling is named XXXX XXXX. I finally called the number back last week to find out why they were calling it went to her voicemail, but I assumed based on the lack of information she provided in her voicemail that it was a collections agency. So I left her message stating to either stop calling multiple times a day or leave a message when she called so we could appropriately respond to why she was calling. She stopped calling me and instead, started calling my husband. He finally answered the phone this morning and stated she was trying to collect a debt owed by my brother. My husband and I have nothing to do with my brother or his debts, nor are we legally liable for his debts. They have no right or cause to call us to try and collect on his debt. I asked for her employee ID as i stated I would be reporting her actions, she lied to me and stated she had no id number and that she was doing nothing wrong, she " does n't know who XXXX lives with ''. That is total nonsense I have n't shared an address with my brother in 15 years. My husband has never shared an address with my brother. I have no idea who they bought our contact information from, but I am sure it was an unauthorized source.

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 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Sir, Madam Over one years ago night time when i sleeping American honda company took my car before they take no body call me.When i wakeup in the morning i feel my car is lose than i call 911 they talk me your loan company taken your car because I had missing payment than i call back if you return my car i want makesure loan payment but they do n't want than they hack my credit please help me i want to open sushi restaurant. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.

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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.

Company response to consumer: Closed with explanation