vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Goldstein, Cruise and Smith LLC
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: NV

Complaint narrative:
Allied Interstate continues to call my home for a person who does not live here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX continues to call my cell. I have told them they have the wrong person and they continue to call me.

Company response to consumer: Closed
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
In XXXX of 2013, my wife underwent a procedure at XXXX. I was the primary subscriber for medical insurance with XXXX. 
XXXX then sent me a check in XXXX 2013 for {$350.00} stating that they are not contracted with XXXX, hence they were sending the check to me, so that I could pay them. I cashed the check and then paid XXXX for this amount. 

After 3 years, I received a debt collection notice from Caine and Weiner stating that I owe XXXX {$350.00}. I got on a call with XXXX representative and then we conference called Caine And Weiner. The collection agent there would not listen to me and kept accusing me of " unlawful enrichment ''. He said that XXXX directly made the payment to XXXX. I then sent a written response and asked Caine and Weiner stating that it was not my mistake if XXXX sent another payment to XXXX and that XXXX ( through Caine and Weiner ) should go after XXXX to recover the over payment. 
I am deeply concerned that Caine and Weiner will report this to the credit agencies without proper due process. I feel strongly that XXXX is resorting to strong arm tactic to cover for their mistake. 
Need your help. 
Thanks and regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: AZ

Complaint narrative:
I have a loan with CarMax. I am currently behind on the payment and have made payment arrangements through their online system to bring the account current. CarMax continues to call me leave messages and the call back again. They continue to first leave a message and then call back later in the day and not leave a message on the same phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: PREFERRED CREDIT INC
State: WA

Complaint narrative:
I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, '' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
As this is the only soapbox I can use to complain about the credit monitoring services I wish to complain over and over again until this system is fixed or got rid of. I came to this country as an XXXX 30 yrs ago. I worked, paid taxes all this time and paid my debts. I decided to go back to school at the age of XXXX. I applied for a XXXX plus loan. I was denied. I was never given the specific reason for the denial. but it could have been one of the four following. A collection account, a tax lien. I was denied a job in XXXX because of XXXX. I actually paid off the IRS tax lien. I was denied a job by XXXX in XXXX because of the tax lien. I paid off the tax lien in XXXX, 2016. You would think I had bells and whistles and chocolate but no. I have been going back and forth with XXXX I wonder at using XXXX anyhow to determine whether or not I should be able to get an education. In 30 years I have never been given a perfect credit score. Ever. I had a {$100000.00} mortgage until XXXX decided to put me into eleven years of litigation and they graciously let me have a {$300000.00} mortgage which is ridiculous at this stage of my life. I am not the only person in the US who suffered through the Great Recession that has decimated the XXXX and over population. The tattle-tale credit reporting system needs to be overhauled. I strongly suspect that only while middle-age males get perfect credit. I think women, immigrants, of any ethnicity, XXXX and XXXX probably never get good credit ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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: CA

Complaint narrative:
This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.

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 2016-04-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections agency.

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 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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: Stellar Recovery, Inc.
State: TN

Complaint narrative:
XXXX originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: Stellar Recovery, Inc.
State: IL

Complaint narrative:
theres tons of credit cards on my account that are not me i dont know who has my information and i dont know how to go about this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Broward Adjustment Services
State: FL

Complaint narrative:
About a year ago, in XX/XX/XXXX I had to go to XXXX hospital for XXXX, that day I made many XXXX and they asked me would I enter for more XXXX, I had health insurance with XXXX XXXX XXXX XXXX FL, but there was test insurance does not pay and for that reason the Hospital sent me to collection, affecting me the credit

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 2015-07-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am being assessed a foreign transaction fee at Bank of America for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return my money.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a private loan now through navient that was previously with XXXX XXXX. My monthly payment to them alone is over {$700.00}. I 've called many times in the past for assistance especially to have my now deceased grandfather that was my co-signer removed from the loan. They wo n't remove him without an original copy of a death certificate which I 'm no longer able to obtain without significant cost to me. I 'm now 2 months behind on my payment and receive daily harassing phone calls from various states and numbers to disquise the calls. I called today for assistance as I 'm eligible for federal help and wanted to try to work with them to reduce my payments. We went through a financial profile that I had guesstimated amounts because it varies from month to month to which they told me I should have {$1000.00} a month left to pay them. So if something were to come up emergently that would leave me with less than {$300.00} to my name for a month. They would not work with me except to put me in forbearance which would cost me {$150.00} which is half of what I currently have to my name until I get paid in a week which would give me time to account for where that {$1000.00} is going. I am a single income household trying to live on my own in need of a new car sooner rather than later and all I received was a condescending tone from both the employee and her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.

Company response to consumer: Closed with explanation