vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Originally I purchase car insurance from XXXX, I was late on a payment in 2015 and they cancelled my policy. Because they did not accept any on line payments it was difficult to get the payments in as I had to go to a location to pay my monthly payment as I did not have a checking account at that time. I went to one of their locations and they refused to reinstate my policy, yet they were insisting that I pay the full premium left for the remainder of the year. I would not and got insurance through XXXX XXXX XXXX which I continue to have. XXXX or XXXX called me several times to insist that I must pay the full year premium under their supposed disclosure, whilst not providing insurance. This was back at the through the end of last year and further they are stating that it is current. Since insurance was paid for in advance and when they cancelled my policy it was for coming month, not for the month that had passed. The crux was that while they refused to reinstatement, they insisted to collect the entire annual premium let. Something I believe to be very wrong, especially since I had to obtain insurance from another company. This collection and negative listing on my credit report is extortion and an attempt to damage my credit score which is hurting my ability to qualify for a mortgage loan which I am in the process of obtaining. I truly appreciate your efforts and services as it allows for consumers to be protected from fraud and extortion. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: CREDICO. INC
State: SD

Complaint narrative:
I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went on line recently with USBank so that I could view my statements. I have never reviewed my statements in the past. I noticed there was an auto withdraw monthly of approximately {$50.00} for auto payment to reserve line. When I asked for explanation at the branch, I was told that it was a charge for insufficient funds. They researched back for 7 years and were unable to demo- strate what generated the original charge. they showed no bounced checks in 7 years. When I asked for proof of this occurance, I was told that they did not have to provide this proof of burden. I wanted to know what my recourse is. I want to know when this infraction occurred. If they are unable to prove the infraction is there a way that I can re-coupe the payments that I have made in the last 7 years? They also say that I still have a balance of approximately {$1800.00}. They can not tell me when or in what amount there was a bounced check - how do I know that it was not a bank error. 
I opened the account in 2006 and at that time there was a reserve line opened which I obviously did not understand how that overdraft protection worked. 
I just want to know if they are obligated to demonstrate what generated the original charge and if so and they are unable to do so, what do I have to do to pursue re-imbursement?

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 2017-02-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.

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 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: GA

Complaint narrative:
On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
What Happended My wife and I have an auto loan from American Honda Finance Corporation. 
corporation. The CFPB and the DOJ recently resolved an action with American Honda Finance Corporation. The action stated that XXXX borrowers were paying higher interest rates than white borrowers. Honda was required to pay {$24.00} XXXX in restituion to affected borrowers. My wife is XXXX. When is CFPB going to send us our portion of the settlement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: SD

Complaint narrative:
My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: IQOR US INC
State: AZ

Complaint narrative:
I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling 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 non-monetary relief
Consumer complaint received 2015-04-24 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: OH

Complaint narrative:
There is a report on my credit from : FOCUS RECEIVABLES MANAGE XXXX GA XXXX They are claiming I owe {$280.00} from a XXXX XXXX Cable bill. I called XXXX XXXX Cable directly to confirm the charge and to possibly pay them directly if there was a delinquency. Once I talked to XXXX XXXX, they confirmed that I did not owe any money, and that my canceled on time and my last bill paid in full. They said they would make a note on the account, and that if the collection company called to tell them the account is invalided. I tried to call the collection company and was put on hold for two hours ( I left it on speaker, while I was around the house ). I then went online only to find other reviews that stated the same issue with contacting the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: NM

Complaint narrative:
This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.

Company response to consumer: Closed
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: IN

Complaint narrative:
Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC
State: NY

Complaint narrative:
Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.

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 was discharged in bankruptcy
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
I went to XXXX XXXX in XXXX. I paid everything that I owed. XXXX went bankrupt after I left in XXXX. I never received anything stating that I owed money to the school before or after the bankruptcy. Another school by the name of XXXX University took over, they later went bankrupt as well. I did not attend this school. In XXXX of XXXX I was contacted by Jacob Law Group saying I owe XXXX {$2700.00}. They waited 10 years to come after me about a debt I know anything about. They have been calling me everyday, they have taken me to court and now they are calling my job trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.

Company response to consumer: Closed
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: OH

Complaint narrative:
Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. 

I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. 

PLH continues to delay my opportunity to refinance my mortgage, again costing me money. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: IL

Complaint narrative:
I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.

Company response to consumer: Closed