vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OK

Complaint narrative:
I declared Chapter XXXX bankruptcy in XX/XX/XXXX as part of my divorce proceedings. The debts included in the bankruptcy were discharged in XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX Firm in XXXX, OK was my attorney for these actions. I had a loan through Honda Finance at this time. It was communicated to Honda Finance that I intended to keep my car and continue paying on the loan and the loan was not included in my bankruptcy. Two years later, I have discovered on my XXXX Credit Report that Honda is reporting that my loan was closed and is reporting that my account status is derogatory. Meanwhile, I have been paying Honda Finance {$320.00} per month every month in the belief that I was paying off my loan and helping to rebuild my credit. A call to Honda Finance was answered by someone who was completely unhelpful and refused to offer any assistance whatsoever. Honda Finance apparently believes that they can do whatever they want, regardless of what the law says. I informed my attorney, XXXX XXXX of this situation and he advised me that Honda is in violation of the Consumer Fair Credit Act and directed me here to the Consumer Financial Protection Bureau. XXXX XXXX is willing to represent me in a lawsuit against Honda Finance, but I would like to avoid such a costly and time-consuming endeavor. I am hoping that you can investigate my case and, if the situation warrants such an action, force Honda Credit to do what a solitary individual citizen apparently can not - follow the law and refrain from screwing people just because they think they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. thank you

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 2015-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Student Aid (USA) Funds
State: MI

Complaint narrative:
I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.

Company response to consumer: Closed
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.

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 2016-05-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid, I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous, continuously asking for the same stuff, just prolonging the review, and then denying for not receiving everything. I have not received a denial, but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him, the bills, the kids, working, and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX 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 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
XXXX keeps calling here for the person who previously had this number. I have told them several times to stop calling ( on the phone and sent emails to the company through their website ), the person they want is not here, and they can research to find her new phone number on the internet and then call her like I did. 

They wo n't stop. Can you do anything to help. I 'm sick of this and my next step is to get an attorney to file a cease and desist claim with a lawsuit for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: CA

Complaint narrative:
I received a call from a company that called themselves " Medical Revenue Service '' the man I spoke to gave me inconsistent information and told me that I needed to contact my bank to let them know that I allow them to take my money out of my account after I gave him my card information. This was a huge red flag. I did some research on the number/company and found a lot of complaints online, most people saying that they are a scam. I called back and requested a receipt either physical or electronic and was told that would take 21 days and that I need to send them a self addressed envelope with a stamp. I also asked if they ever mailed me a bill and he said they sent one yesterday XXXX/XXXX/16 and that I should get it soon. This was another red flag. I asked him if it was standard procedure to call a person multiple times before sending them a bill and he said it depended on the situation. He also had very little information for me when I asked how he received my information. Needless to say, after 2 phone call conversations, I realized this is most likely a scam and had to have my card replaced in order to avoid them falsely charging my card or stealing my identity.

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 2015-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
I contacted the agency on XXXX separate occasions for a VOD and they did n't send it. Then I told the rep who was very rude that I was disputing the debt in which she in turn stated that I did not have a valid dispute as they have my DOB. I called back to get the reps name and no one wanted to give it to me so they transferred me back to her. She told me to contact the insurance company for VOD that the company and client does not provide that. After arguing with her she finally consulted a manager who claimed they will be sending it. Her name was XXXX XXXX as she would not provide her full name to me. Rep was very argumentative and apparently does n't know the laws in which apply to her or her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: FIRST CONSUMER, LLC

Complaint narrative:
i recieve a call from the company First Consumer telling me about how to continue paying my studentloans at a much low payments. A representative of the company XXXX XXXX XXXX told me about the law XXXX XXXX XXXX, and if I pay 1 payment of {$180.00}, and 3 paymentes of {$130.00} i was going to be on track with the company that is going to take my loans, and my payments are going to be {$18.00} monthly, that i was going to get another follow of my status on XX/XX/XXXX, and with the help of the new law of forgiveness and my payments XX/XX/XXXX i was going to obtain a forgiveness of my debts. They ask for several documents like my taxes, slips of the payments from my work, and my banking account numer and route, beacuse the only way wa going to be with an account. i ask several times that the {$600.00} were are going, and they told me that is going to go direct to my loans. The first debit of my acount was made i star confronting problems getting in contact with the company, i call the several numbers that they have, and there was no answer or they didnt respond the messages that i leave in their machines. I start doubting the company when i only talk with XXXX XXXX and a lady with the name XXXX XXXX, no one else answer the phones. One time they give me a numer of XXXX XXXX, and he told me that he do not understand why the company that have my loans have not calle me, he told me to wait until XX/XX/XXXX, then he was going to call me to check, but he didnt call. i star calling again, he only send me an email. In the meantime i call the Deparment of Education and they told that i have to be carefull with these companies. Then XX/XX/XXXX the company XXXX call me and told me that i was late in my payments with them, i talk with their representatives telling them that i do not know who they are. They explain to me that they have my account, i ask them if they work with First Consumer and they told me they dont know anything about that company, i ask if they receive my information through them and they say again no, i ask if they have heard about the law XXXX XXXX XXXX they told me not. Then the representative star talking about sending me papers, and talking about my finance condition, and put a stop until XX/XX/XXXX so give them the oportunities of getting the papers they need from me, and that i do not need to do any payments until XX/XX/XXXX. i was not receiving the papers from them i call again and talk with a representative that change my adress, and give me this link because she says most of these companies are not helping people. First consumer was suposse to do the last debit on XX/XX/XXXX, but they do another on XX/XX/XXXX. I am afraid that they are going to take money of my account, and have not do nothing, only a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. Thank you.

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 2016-06-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I have been an Acura car owner for several years, never once missing a payment, until I tried to sign up for Acura Financial Service 's auto payment on their website in XX/XX/XXXX. Apparently my autopay request did n't go through, even though I saw the confirmation on the website saying everything was complete. 30 days went past and a payment apparently did n't go through, and I never once heard from Acura saying there was an issue ( they claim they did n't have my phone number, even though Acura called me several times regarding another matter ). I finally realized from my bank statement that a payment had n't posted, and called AFS immediately. They said they noticed I tried to set up autopay, but it was still pending.had n't been finalized. I never got a notice stating this previously, through mail, email, phone, etc. I made a one time payment online at that time, AFS released the late fees ( essentially admitting their mistake ), and I finally got the autopay setup properly. I have n't once missed a payment since then. I called them to help me get this one-time error corrected and they refused, very rudely I might add. I spoke with an associate and then a supervisor - both were extremely unhelpful. I understand a late payment needs to be submitted to the bureaus ( even though their attempt to " try and get ahold of me '' to address the issue was laughable ), but they were very unwilling to work with me on having a credit dispute handled in a fair manner. I asked if they could touch base with their tech support team to verify that I had tried to set up autopay, and they were not interested in doing that either. Terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Kenneth, Eisen & Associates, LTD.
State: TX

Complaint narrative:
im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Awa collection is stated that i own them XXXX from XXXX XXXX XXXX. This is impossible because I was in prison from XXXX XXXX XXXX to XXXX XXXX XXXX. So I would like to file a complaint of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northwest Trustee Services, Inc.
State: WA

Complaint narrative:
Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: TX

Complaint narrative:
I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected 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
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Oak Harbor Capital, LLC
State: TX

Complaint narrative:
A writ of garnishment on my bank account was issued by XXXX XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation