vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 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: Focus Holding Company
State: ID

Complaint narrative:
In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a Collection Agency Named Focus ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the third bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SERVICE 1ST MORTGAGE, INC.
State: VA

Complaint narrative:
Receive multiple misleading mortgage refinance letters from Service 1st Mortgage Inc. Letters imply they are from Veterans Administration and /or current mortgage lender. Letters attempt to get you to think they are calling about your existing loan and need to take action on your existing loan. In reality, it is a refinance offer ( at higher rate ) and attempts to mislead consumer about escrow refunds. See attached copy of letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda Financials for a leased vehicle confirmed that a payoff payment was received form a 3rd party and that they have validated and processed the payoff. They send me the payoff confirmation, lien release and title. I proceeded to hand over the vehicle to the buyer. 

Honda now tells me that payment was not realized and has opened my account back up again. the buyer has since disappeared and sold the car to a Honda dealer, who is now listing the car for a sale Honda takes NO Ownership and can not explain why they released title without confirming funds were received. I have no way to recover the money nor fight honda in court. the bill i have to pay exceed {$24000.00} How can a financial institution release title without confirming funds. Also they never reached out to me letting me know to hold the car back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I took out a car through honda fiancial services and i was always good on my payments. Recently unfortunatly i was laid off my job, about 4months ago. I was able to keep up with the payments till about 2 months ago and about every week or so honda fin. Would call me and ask about what was going on which i had told them a bunch of times that i was laid off. Any ways most recently i call them back due to a voicemail they left me and i spoke to one of there representatives, which at first was very polite. I called them because of course im concern of my finacial situation. I was trying to look for a solution or help see what i could do so i mention a couple things i heard they could possibly do, and immediatly she turn to this unfiltered, unprofessional, and agressive person. Saying that what ever i heard was wrong that i should know its my responsiblity to pay the payment. I still kept my cool and explained how i didnt ask to get laid off. She still was very rude and said you have to figure it out, again i would tell her more of my situation and again " you have to figure it out '' thats all she had to say. Obiously it upset me with so much pressure put.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 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:
I sent a letter to Medical Data Systems requesting debt validation and they sent me a notice from the original creditor that clearly reflects it is not a bill. I have disputed with the credit bureau and receive the blanket response that the item is valid and remains on my credit report. The notice from Medical Data Systems reflects as follows : This is not a bill. This is an itemization of your services for : it reflects hospital charges and insurance adjustments that do NOT equate to the dollar amount Medical Data Systems is trying to collect an amount that is clearly not owed.

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 2015-09-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC
State: AZ

Complaint narrative:
I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2016-02-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by 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: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH

Complaint narrative:
For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
My mother died in XXXX XXXX and at the time of her death was leasing a car from Honda Financial Services, with whom her account was in good standing ( i.e., she had made all lease payments on time and in full ). Upon her death, we voluntarily surrendered her car to Honda Financial Services in pristine condition, provided Honda with a copy of my mother 's death certificate, and proactively inquired as to what balance was owed on her lease. In response, Honda first sent a confusing letter in XXXX XXXX that insinuated ( a ) that they had repossessed the vehicle ( when in fact it was voluntarily returned ) and ( b ) that my deceased mother owed Honda a {$15000.00} " Gross Early Termination Amount '' ( in spite of a lease agreement that specifies that the Early Termination Liability is the lesser of the remaining payments due on the lease term - which in total amounted to only {$5700.00} - or the Standard Early Termination Liability ( good luck figuring out the legal jargon used to articulate the definition for this term ). Now, Honda has sent correspondence indicating that they have " charged off '' my mother 's account and threatening my deceased mother that if she does not pay her balance in full ( a balance that Honda has yet to communicate as of XXXX XXXX ), then Honda may pursue unspecified legal action. On one level, this is laughable, as Honda is attempting to communicate with a deceased person. On another level, it is infuriating and insulting as I have proactively contacted Honda no fewer than four times, attempting to determine what amount was owed on the lease and was prepared to pay the amount lawfully due under the terms of her lease. Most concerning, however, is the fact that Honda Financial Services ' written communications and stated terms and conditions are deceptive in nature and their business practices are despicable.

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

Complaint narrative:
I was notified that Honda Fin. overcharged me on several accounts 5 in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: IQOR US INC
State: MO

Complaint narrative:
I am trying to get help with my loans and the collection agency is not helping me whatsoever. I am being garnished and due to that, I am now being evicted. I spoke with XXXX XXXX and he said the only thing I can do is pay this off. Which would be great unless I am not able to do that apparently if I am already being evicted because of this. I am not trying to not pay my loans back but I need help from my lender and they are no help at all.

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 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
Hello! 
My daughter and I have a vehicle lease. I 'm co-signer. Her payment in XX/XX/2016 was over 30 days late. We do n't dispute that. We dispute the circumstances that led to it being 30 days late and her credit and mine being damaged because of this. I will add attachment for more specific details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
I apply for a job and they did a background check on me through First Advantage, when the report came back, it shows I did a crime and shows I was guility of it back I have never committed a crime, I should have a clean background cause like I say I have never committed a crime and this has happen often. that 's why job cant hired me because of my background check stating some kind of felony that I did n't committed. I need help. Also it says I lived somewhere I have never been before,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Over the past 7 to 8 years my family and I have purchased XXXX different Honda Accords. On last I recently wrote to Honda Corporation with concerns about the lawsuit brought against their loan office for giving loans to XXXX at a higher interest rate than XXXX, which they neither affirmed nor denied. I received 4 different letters on XXXX previously paid off loans from Honda stating this information. I was concerned about the all the loans we had with Honda over the past several years. 
Thursday, XX/XX/XXXX my XXXX Honda Accord was repossessed for 2 months payment. I lost my job XX/XX/XXXX and was unable to make my payment of {$380.00} per month. I contacted American Honda Motor Corporation for the amount required to reclaim the car and was told I have to pay the remainder of said loan at {$7400.00}, plus collection fees, plus a fee to get my property from the vehicle..!! I was told this was stated in the contract, and upon reading said contract we do not see where that was a stipulation. I am in no position to pay such a larger sum of money, but I ask that Honda work with me to pay the arrears and 1 month in advance to have the car returned. 
I feel that because I wrote to the corporation concerning the actions brought against them I am being forced to pay off the loan on the XXXX car. The car is worth approximately {$9500.00}, far more than I owe to Honda and I feel they are being unfair by not allowing me to catch the payments and retain the car. I recently found employment and I am able to make the payments as I have in the past. 
I have been an outstanding consumer with Honda over the years and have talked several family members into purchasing a Honda. All I ask is to be given the chance to recoup my current loan as agreed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
Medical Revenue Services calls before XXXX and sometimes after XXXX several times a day using a " robocall '' automatic system. The insist in that I owe medical bills which I not true as I am still a patient of all the Doctors I 've had for more than 15 years and no one has claimed anything from 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 2015-06-26 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: Robinson, Reagan and Young PLLC
State: MO

Complaint narrative:
I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 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: FL

Complaint narrative:
I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: CA

Complaint narrative:
Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer

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