vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX of 2015 my apartment flooded with raw sewage, management called a plumber whom cleaned the " main line ''. The main line is between mine & my neighbors front doors with no other access to either apt., when the plumber finished there was raw sewage all over the walkway. Management refused to clean/sanitize the walkway, also management did nothing more than shampoo the carpet in the apartment that was affected by the flood. During the time between this event and my moving because of the sewage not being cleaned/sanitized I had to go XXXX because of severe XXXX, the XXXX me as having XXXX. Since moving, the apartments, XXXX XXXX, located in XXXX Tx have contacted a collection agency named Pro Collect that has reported this to the credit reporting agencies in the amount of $ XXXX. I have approximately XXXX pictures that I took on a daily basis to document my claim, these pictures are automatically stamped with date and location. I also have the hospital records showing the date and the XXXX. Any help with this matter will be appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: TX

Complaint narrative:
I have previously filed XXXX complaints regarding this issue, number XXXX and number XXXX. XXXX XXXX has now engaged a XXXX collection agency from whom I received correspondence this week attempting to collect this alleged debt which I have previously disputed XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
XXXX from XXXX debt collection agency called me XXXX month ago about a debt owe to XXXX XXXX. She told me they got the letter back which they send to my old address and asked for new address. She said they are going mail me the documents, but I never got the letter from them. Now they do n't want to send me any letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nations Recovery Center
State: TX

Complaint narrative:
They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.

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 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: IL

Complaint narrative:
I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I leased a XXXX in XXXX of XXXX. Upon lease ending in XXXX of XXXX I was notified that there was a end of lease balance in amount of {$2900.00} for over miladge. I had conversations with American Honda Finance regarding this amount and had setup a payment plan, as I was unable to pay the debt in full in one lump sum. I specifically asked the representative if This debt was reported to my credit. I was assured that it was not. I was advised that after a certain period of time the money owed would go to collections, which I again verified WOULD NOT REPORT TO CREDIT. I have since noticed that this amount Is in fact listed as a negative factor on my credit report. I have called up American Honda Financial at : XXXX and discussed this issue with a representative. I was now being given Conflicting information and told that once the debt goes to collections, it Does get reported to credit. I was absolute, complicit and clear in my original questioning of the weight of this debt. I am in the process of securing a loan for my family to get by, and my credit score is Extremely important. I am Shocked aand appauled by the total disregard for American Honda Financials lack of competence by its empoloyees. I find this practice Highly unfair, unethical, and also a reason that Truth in Lending, Nd Honest Credit reporting rules and regulations have been enacted. I further looked into feedback on American Honda Financial Services and have seen multiple similar complaints. 

Please work with me to get this issue straightened out with them. I am making payments as I am able to on this debt, and was mislead and deceived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Circleback Lending, Inc.(Closed)
State: IL

Complaint narrative:
Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
XX/XX/XXXX I received a lease-end statement from Honda requesting payment within 25 days for {$550.00} for " Excess Wear and Use or Damage ''. I hereby dispute the charges as I have not been given full explanations of how they were estimated, the criteria used to waive certain charges, and I would like to ask clarifications as to what Honda considers excess wear and tear since it is not specified explicitly explained in the contract ( except for the tires ). 


After my first attempt of obtaining clarification from Honda Financial, I received a copy of the inspection report by mail, detailing the damage that was considered by the inspector to be excessive, and the estimated total cost to be {$950.00}. The excess wear and tear value in this report is higher than the {$550.00} being billed to me, but there is no explanation of what charges were waived and what charges were not and why. Presumably, Honda decided to waive the lowest cost repairs and to charge me the highest cost ones. Since the contract contains no provision of which charges get waived under the waiver provision, this should be interpreted in favor of the consumer and not of Honda. Similarly, the contract does not have an explanation of when certain types of damages are excess and when they 're considered normal. For instance, from the report I read that the left front bumper cover has a scratch of XXXX to XXXX inches, but no explanation of why this is excess, as bumper scratches are extremely normal in a car that is authorized to be used in abdense urban setting for XXXX miles. 


Likewise, I would like to request a correction of how my previous payments were applied. My XX/XX/<YYYY> statement had an amount due of {$110.00}, but I made a payment of {$250.00} and I request the difference to be refunded. Also, I returned my vehicle on XX/XX/XXXX and leased a new Honda vehicle, but paid the full month of my lease, until XX/XX/XXXX. I request the pro-rated unused days to be refunded. 

I sent this dispute to Honda by certified mail and it was received on XX/XX/XXXX. Their only response so far as of today was to call me and offer to lower the amount due to {$350.00}, which is still higher than what I consider I should pay, but I have not received a response, verbal or written, regarding my questions or my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: FL

Complaint narrative:
I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.

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 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I bought a XXXX Honda Accord on Sunday, XXXX XXXX, 2015 from Honda XXXX in XXXX, Georgia. I signed a contract stating that I was financing {$12000.00} at 0.9 % APR. I logged into my account at hondafinancialservices.com on XXXX XXXX, 2015 to make a my first payment ( they were delayed in sending my statement for an undisclosed reason ), and noticed that I was being charged a higher amount. My payoff amount was noted at {$12000.00}. I worked through the amortization, and calculated that if they the contract were funded at time of purchase, and Honda was charging me continuously compounded interest for 31 days, the maximum payoff amount can be is {$12000.00} ( rounded up ). 

They are therefore either charging me an undisclosed fee, or an interest rate higher than what I signed at. I specifically and verbally negotiated with the salesman ( XXXX XXXX ; this is the name on my documentation. I believe this is wrong ) and business manager ( XXXX XXXX XXXX that I will not be charged any kind of fee ( except interest ) for financing the vehicle through Honda Financial Services ( I have this conversation recorded on my mobile phone ). 

I will be happy to provide all documentation, spreadsheets, screenshots, and recorded conversations necessary in order to resolve this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I fell behind on my monthly lease payments. My vehicle was taken by the bank. 
I called to reinstate and was told that I did not have that option because my payment history was not good. I was told that I would be obligated to pay {$36000.00} by XXXX/XXXX/16 in order to get my vehicle back. I inquired whether or not I could pay the cost of the remaining months on my lease rather than the entire cost of the car. 
I was told that paying the remaining payments under my lease term was not an option. 
I must pay the {$36000.00}. My credit report only indicates that I am obligated to pay the balance of the lease it does not state {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc.
State: AL

Complaint narrative:
I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
I defaulted on repayment of a credit card through State Farm XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim State Farm is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This should have been covered with my insurance I went back to the hospital a couple of days later and the insurance paid that claim I dont understand why they did n't file this claim

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 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Derogatory entry in my credit report for a paid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
( $ XXXX that Honda will pay will go in to a fund to compensate affected borrowers ) XX/XX/XXXX, I purchased a used XXXX Honda accord and my monthly payment was XXXX. I always felt that my payment was to high, and I now know for a fact that I was a victim of the above actions listed in the lawsuit. As a direct result of Honda 's action, I 'm still trying to payoff the balloon loan. As it stands today, I still owe honda XXXX on a car only worth XXXX. How can I be included in the payout? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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:
Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa rights

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 2016-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
We are still without complete information concerning the loan agreement that SLS sent to us. 
We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 
2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or 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 explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.

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