vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I would not recommend any type of loan with this group and wish I had gone to this site before I submitted all of my personal info to SoFi. I wanted a small loan of $ XXXX to renovate my home prior to listing it for sale. My credit rating is above XXXX XXXX. I have a small mortgage payment and minimal debt and had the money for the renovation but wanted to use the loan money instead and go through the online loan experience for a change. Big mistake. 

A few weeks after submitting my app a young woman called me on a Sunday to tell me she thought she had everything ( after I had sent most all of my financial info for prior years ) but now needed proof of income for 2016 which I sent that day. Unfortunately it did not register that I had submitted this info on the web site until 4 days later. 

I then called and called for followups for the next few weeks and would call and tell my woes to various jkSoFi employees who stated they would advise this woman who had my file to put me toward the top of the list. 

Another several days went by and I received a rejection letter from them. I was dismayed at their lack of caring and handling of this loan request. In my opinion they are not qualified to be in the loan business and are deceiving the public about what they can do. If they continue to provide the type of services they currently provide, in my opinion they should be investigated soon. Plus I do not know where all of my personal information sent nor what they are doing with it. The whole experience was disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc.
State: IL

Complaint narrative:
I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Moneytree Inc
State: NV

Complaint narrative:
I applied for a loan online and was denied. I requested for the lender to explain the reason ( s ) for the denial. The lender told me I was denied because I had an outstanding balance of {$350.00} from a returned check the lender is claiming I wrote at one of their locations in XXXX XXXX, XXXX on XXXX XXXX, XXXX. I explained to the lender that it was not possible because I resided in the state of XXXX at the time the alleged check was written and did not move to XXXX XXXX, XXXX until XXXX XXXX. I also explained that I had been a victim of identity theft around the time the alleged incident occurred in which I had to file police reports, identify theft affidavits, complaints to the FTC, notified the Inspector General for the United States Postal Service because my mail had been affected, notified the DMV to place a fraud alert on my Identification record, notified the IRS so my file could be alerted, notified the SSA so fraud alerts could be placed on my social security number, notified all XXXX major credit reporting bureaus to place extended fraud alerts on my credit reports and things got so bad that the XXXX Nevada Office of the Attorney General even provided me with an Identity Theft Passport ID due to being a victim of Identity Theft. In addition to all of that information I provided to the lender, I also advised them that the 6 year statue of limitations for the alleged debt had expired being that it was said to have taken place 11 years old, therefore it should n't be on my record anyway. But even with all of that, the lender continues to deny my requests for a loan due to the alleged 11 year old debt.

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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc
State: IL

Complaint narrative:
There are multiple inquiries on my credit report from this company. 
I did not authorize any inquiries from this company. 
Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! 

As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. 
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. 

The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: IN

Complaint narrative:
I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: ME

Complaint narrative:
This number has called me XXXX times a day. When I answer no one is there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: WA

Complaint narrative:
To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. 
Student loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The " Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated " fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, " are held accountable for their conduct ''. 
But I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. 
I have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. 
Is there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? 
I would appreciate any guidance you can offer, A frustrated borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: GA

Complaint narrative:
I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA
State: CA

Complaint narrative:
An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is still reporting a loan I have from the XXXX with 16 missed payments. I never had a single missed payment.

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 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.

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 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint

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 2015-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # 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 2016-12-10 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:
I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.

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