vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: TX

Complaint narrative:
My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: AL

Complaint narrative:
On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 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: IQOR US INC
State: WA

Complaint narrative:
I originally opened the account but released all control to my daughter when she moved XXXX by phone with a XXXX rep XXXX years ago. I have never been billed for the account in the past 7 years ... my billing address is not on the account because everything was through online bill pay ... eco bill. I do n't have access to the account and now all of a sudden it has gone to collections and they are saying I am the original account holder and responsible for the past due balance owed on the account ... supposedly my social is tied to the account so that means you should also have access to my other account in order to contact me about the past due amount. XXXX dinged my credit without contacting me XXXX. When I called XXXX their excuse was we billed the address on file. I know that was a lie because everything was online bill pay. There was no address on file I know that for a fact because the rep asked me for the password that was on her account so they could access the account. I told them I had no clue to the password since it was not my account. I also know my email address was not on her account. When she took over the account everything was changed to reflect her ... email address and password ... only she had access to the account. They had no problems allowing her to take over the account so they should be holding her responsible for the bill. Everything is done through email because that 's what the account preferences were set up as. That 's not acceptable ... they have my address on file because I have my own XXXX account so they ca n't say they could n't find me. I have lived at the same address for 20 years and had the same XXXX account for the past 13 years. You ca n't say its my account and never bill me for it. I have received no paper, phone, or email contact over the above referenced account number for the past due balance. You ca n't have you cake & pie and eat too. I was never given a chance to dispute this ... it just showed up on my credit report XXXX hours ago. I received a text alert from XXXX that this was just added to my report. 

My credit report reads as such : ALLIED INTERSTATE $ XXXX XXXX account reported on XXXX XXXX, XXXX : Account # XXXX : $ XXXX Creditor : XXXX XXXX Balance $ XXXX Date : XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX : IndividualRemarks : Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: IQOR US INC
State: FL

Complaint narrative:
Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!

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 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft for 5 years now. I have such a hard understanding what is going on with my credit. It is so unfair when somebody just takes your information and uses it for their purpose. I owe XXXX dollars to creditors that I never heard of. I now ca n't get school loans, personal loans, payday advances or credit cards. It truly has put a damper in my life. I also have problems with my divorce because my husband and his family have XXXX me up using my name. I used to love my life but now I hate it and feel so alone. I have n't opened up anything since my car loan from XXXX XXXX. But credit reports are saying something different and now my whole life is altered and I 'm very unhappy because I ca n't fix it and I 'm having such a hard time disputing these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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:
On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!

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 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Roycroft Management
State: CA

Complaint narrative:
This company XXXX submitted an illegal usury interest rate claim to these people that is called XXXX XXXX XXXX/XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC
State: CA

Complaint narrative:
I submitted a complaint yesterday and I am unsure if it processed or submitted correctly. The service representative is now calling my family members on the cell phones to verify my personal information. This form of collection can not be legal.

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 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: FL

Complaint narrative:
BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.

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 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a one collection notice on XXXX XXXX, XXXX from XXXX XXXX XXXX. The collection notice was for XXXX XXXX in XXXX - XXXX XXXX XXXX, XXXX, TN. These medical bills were paid or written off. I 'm a XXXX Veteran. The VA pays all my non-VA medical services. I filed a claim per VA guidance and never received a bill from this facility or physician. 

When I contacted XXXX XXXX, they had changed their name to Wakefield and Associates. I wrote them a denial/dispute letter on XXXX XXXX, XXXX. I have not received any contact from Wakefield. I sent the dispute/denial letter certified mail. Wakefield received the certified letter on XXXX XXXX, XXXX, at XXXX XXXX, signed by XXXX XXXX. I have the scanned signature. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX, then XXXX. I was informed that I had XXXX bills from XXXX XXXX Hospital. I was told a supervisor XXXX XXXX XXXX would call me on XXXX XXXX, XXXX. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX was going to review the XXXX FAX I sent Wakefield, and call me back at XXXX XXXX to discuss. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX tried to get me to pay and I reminded him this account has been disputed. XXXX said he would forward me call to a supervisor. 

Basically this is a " ghost '' account. I used a local hospital, my XXXX covered the cost and the VA covered my deductibles and any other charges. 

I contacted XXXX XXXX Hospital on XXXX XXXX, XXXX, which I learned is now XXXX XXXX. I spoke with XXXX in patient accounts. She was able to pull up my services received for year XXXX. There were only 2 days of service, both in XXXX XXXX. They have been paid. I ask her to look up any service dates on me. She said there were only XXXX, XXXX in XXXX and XXXX in XXXX. Both have been paid at the time of service. XXXX is going to mail me these records ... because of XXXX laws she could not scan/email or fax. 

Please help me get these accounts off my credit report. Wakefield does n't seem to care or have any intention of having these removed. Why are these type of companies never held accountable? I 'm trying to work on my finances and keep a great credit rating for a large purchase soon, but this cost me XXXX points on my credit rating. This means a lower interest rate, or no financing at all ... basically this mistake is going to either delay my purchase or cost me money. 

Thanks in advance. 

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 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONRAD CREDIT CORPORATION
State: PA

Complaint narrative:
I bought into a camping resort package through XXXX XXXX At the time, the man told me all these wonderful ways to use it. It sounded great. I tried using it several times and it was not what they portrayed it to be. I called asking to cancel or sell the " time share ''. I could never get a hold of anyone to help me. Once they lured me in, that was the end. I am ok with paying something to get out of the contract, but this has gone on too long. I did nothing wrong. I tried to contact them and they did not respond. I feel it was false, the information and explanation they gave me. Every time I tried to use it, the process changed. I also could not get the " better '' process at other campgrounds. It was not a smooth process. I believe this should not hurt my credit score like it is. Thank you.

Company response to consumer: Closed with explanation