vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Messerli & Kramer P.A.
State: TX

Complaint narrative:
i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: IQOR US INC
State: CA

Complaint narrative:
When contacting Allied Interstate LLC to try to resolve an issue regarding my debt they were very unprofessional. I spoke to a representative that was very rude and offensive. It was clear from the moment I made the phone call that no one really cared to help me. After taking a verbal beating from multiple representatives I requested a supervisor and was appalled when the representative told me to basically ask her nicely for one. Once I spoke with a supervisor ( XXXX XXXX ) he was not much help either. He never offered me empathy or apologized for the actions of the representatives. He offered to call me back to help resolve the issue and I have a feeling I will have to call this company back again. This company makes it near impossible to resolve any issue that involve them needing to correct a mistake they have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
During the sales process of a new lease at XXXX Acura in XXXX, MA, the car I test drove is not the car I leased & the differences and details were not disclosed to me. The lease terms were fine, but the vehicle I thought I was leasing is not what I received. Additionally, the remote start feature did not work as disclosed during the sales process, which were also explained wrong during the vehicle walk through. I 've tried to resolve directly with the General Manager at the dealer. The options were I could pay more money, or keep what I have. I was n't willing to take it off the lot the day of pickup, but I was told I had to because it was registered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc.
State: WI

Complaint narrative:
I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
I called Honda XXXX on XXXX, spoke with a lady named XXXX, requested the full payoff amount for my lease/loan. I was given the same amount that appears on my online statement. I paid {$22000.00} in full immediately following the call checked on XXXX and the assessed XXXX in tax fees. When you call for a payoff that is the amount you owe, should be nothing more. This is unbelievable practices by Honda. From my understanding taxes are included in the lease payment, so where did this come from and how can these dealerships/finance companies continue to do this to the consumer. Secondly, we moved from XXXX to XXXX XXXX and Honda changed our car payment ( increased it due to taxes ) without any notice to us, just took the money out of our account. Same happened again when we moved to XXXX, fortunately the amount was lower this time, but still no written notice of any kind. Something has to be done about taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: STATE FARM BANK, FSB

Complaint narrative:
For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account as well.

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 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.

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 2016-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OH

Complaint narrative:
I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right back.

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 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... 
I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
In reviewing my credit reports on XX/XX/2016 I saw that AWA Collections had submitted a claim as collections to my reports. I had never heard of this company nor who they list for representation on the report XXXX. I have never received notice via mail of any debt or bill from AWA Collections or their client XXXX. I called XX/XX/2016 AWA and was told this was actually a debt through XXXX for early disconnection. I called XXXX XX/XX/2016 and was told I never owed them anything as they never honored my original contract of stopping service with my other phone company, I never used their XXXX phone and therefore nothing was ever owed. I then called XXXX XXXX who also stated that there was nothing owed nor had there ever been anything owed even early disconnection charges. Both XXXX and XXXX are mailing me verification of non-debt and neither claims knowledge of the this collections company. At this point I created a cease and desist letter which I faxed to AWA Collections XX/XX/2016 and immediately followed up and called AWA back and informed them of this cease and desist letter, that I would be forwarding this paperwork as soon as I got it and that this was a fraudulent claim on their part and needed to be removed from my credit reports. They insisted that they have bills but would not send me anything. On XX/XX/2016 after having received the cease and desist letter the day before AWA Collections again called me to try to collect on this fraudulent claim. I again explained that not only was this fraud but that as soon as I got the mailed proof I would fax it to them at the same number that I faxed the cease and desist letter to and they said yes. 

Bottom line this is a fraudulent claim on their end, they continue to misrepresent who they represent in this fraudulent claim and they have acknowledged receipt of the cease and desist letter and continued to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
My car loan has a monthly payment of XXXX per my agreement. I have made my payment for XXXX 2015 of XXXX. The company has demand and additional XXXX immediately has threatened to negatively impact my credit. I pointed out that my agreement does not stipulate any balloon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB
State: WI

Complaint narrative:
XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: Adler Wallach & Associates, Inc.
State: OH

Complaint narrative:
XXXX Rental Car refused to accept the payment as agreed, then sent me to collections. I have since settled the issue with XXXX Rental Car directly, yet the collections agency is still claiming I owe the money. 

On Thu, XXXX XXXX, 2016 at XXXX XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : To : XXXXXXXXXXXX From : Customer Service Date : XXXX/XXXX/XXXX XXXX PM Subject : XXXX, Case # XXXX Hi XXXX XXXX ; Thank you for the letter regarding your XXXX XXXX, XXXX rental out of the XXXX XXXX Florida XXXX location, agreement # XXXX. 

I have reviewed the information provided and found I can still apply the coupons for you if you would mail the original coupons in to us. You may mail them to : XXXX Rent A Car Attn : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Once received I will be able to apply the coupons and take care of the outstanding balance left from your rental charges. I 'm sorry for any inconvenience you may have been caused. Thank you for choosing XXXX Rent A Car. 

Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX |F : XXXX XXXX, I will send you the coupons via certified mail the next time I am home. 


Sending me to collections has been more than an inconvenience, it is harassment that has cost me plenty of time and money. I hope that you are able to close this issue once and for all. 


Thank you, XXXX XXXX XXXX/XXXX/XXXX XXXX Case XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting the XXXX E-mail Customer Service team regarding the requested coupon. 

We apologize for the inconvenience caused, please be assured when the coupons are received the adjustment will be completed as promised. 

If we can be of further assistance, please let us know. 


Kind Regards, XXXX XXXX Customer Service Representative XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; XXXX XXXX ( XXXX minutes ago ) to XXXXCustomer. 
XXXX XXXX XXXX, Today I received a collections notice from AWA collections dated XXXX XXXX, XXXX with '' proof '' that I still owe this debt. I sent in the coupons as agreed ( via certified mail ) a full month ago, you agreed that I no longer owe this debt. 

I do not owe this debt, and by copy of this email chain XXXX Rental Car also agrees I do not owe this debt, yet a full month later I am still am receiving collections notices. 

This is harassment and it is very illegal. I would suggest you make this harassment stop very quickly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I 'm an XXXX. Because of this I feel as though I was discriminated against when getting a loan from Honda Financial Services. For some reason I feel as though something is n't correct and I believe I was overcharged interest on my car loan. If possible I would like someone to look over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: NY

Complaint narrative:
XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Services repeatedly denies my application for mortgage assistance.

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 2015-06-18 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: Community Health Investment Company, LLC.
State: MA

Complaint narrative:
On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.

Company response to consumer: Closed with non-monetary relief